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    4 point inspection of an older Florida home for homeowners insurance underwriting in Southwest Florida
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    What is a 4 Point?

    A 4 point inspection is a home inspection that looks at the four major systems and structures of an older house: roof, electrical, plumbing, and HVAC.

    Insurance SpecialistsFeb 27, 2026

    A 4 point inspection is a home inspection that looks at the four major systems and structures of an older house: roof, electrical, plumbing, and HVAC.

    Most Florida insurance carriers require a 4 point inspection for homes over a certain age (typically 30+ years) before they will issue or renew a homeowners policy.

    The inspection is quick and relatively inexpensive, and it gives carriers confidence that the home's major systems are in safe, insurable condition.

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