Four Point Insurance Inspection
(386) 624-3893 First Choice Home Inspections
A Four Point Insurance Inspection is often required when obtaining a new homeowners insurance policy or renewing an existing policy. The inspection includes a limited scope evaluation of the following four systems:
Roof Inspection
Electrical Inspection
HVAC (Heat, Ventilation & A/C)
Plumbing
The focus of the 4-point insurance inspection is to determine the approximate age, components, and general condition of these systems. A 4PT inspection is NOT a comprehensive home inspection and can take as little as an hour to complete. This type of insurance inspection should not be confused with a residential home inspection which is more comprehensive in detail and scope.
The insurance company will typically require that the inspections be performed by suitably licensed and qualified persons. 4-point inspections are performed by Florida State Licensed Home Inspectors.
The Four Point Insurance Inspection was created after Hurricane Andrew struck Florida in 1992. It is performed on behalf of the insurance companies as a requirement for the insurer offering insurance to the new homeowner. After 2004 salvo of hurricanes in Florida, the Four Point Insurance Inspection has taken on renewed importance.
Insurance companies see the benefit of the inspection; the program is spreading to other areas of the country. The benefit to the insurance company is reduced loss on homeowner’s insurance policies.
The benefit to the home owner is you know what state your 4 main components are in. You can budget for future repair or replacement.
The insurance companies are looking for the four systems to be in generally good working condition and fulfilling their intended function. In older homes the insurance companies want to see that the systems have been updated.
A 4-point inspection looks at age and functionality of the roof systems, electrical, HVAC (heating and cooling), and plumbing of the home. Specifically, what is the age of each system, what is the life expectancy and has any of the systems of the home been upgraded and if so, when.
The roof inspection is checking for what type of roof systems are installed and how many layers there are. The inspector checks to see if there are any visible truss damages; any visible roof leaks; any flashing damage or are there any missing shingles. The insurance companies want to know the age of the roofing materials and estimate life remaining.
The electrical portion focuses on the main panel. Is it a fused box or breaker panel? Can the panel handle the load of the home? With breakers, what type of panel and breakers are installed (there are panel types with known defects). The type of wiring and grounding, outlets, GFCI outlets within 6 feet of wet locations, and AFCI outlets in bedrooms are checked.
The HVAC or heating and cooling system details the type of system in the home, the age of the system and when any upgrades may have been made.
The plumbing checks the water pressure in the home, type of water supply, drain lines, and shut off valves. It covers the hot water heater (electric, gas or on demand), is the TPR valve present and properly installed and the age of the unit. Have the systems been upgraded and when?
The requirements for a 4 PT Insurance Inspection may vary from one insurance company to the next. When requesting a 4 PT inspection please specify the requirements of your insurance company and the name of the company.
Deltona home inspection, home inspection Deltona, home inspection Deltona FL, Deltona FL home inspection, Deltona home inspector, Deltona FL home inspector, home inspector Deltona, home inspector Deltona FL, Deltona mobile home inspection, Deltona asbestos inspection, Deltona four point inspection, Deltona condo inspection, condo inspection Deltona, Deltona wind mitigation, wind mitigation Orlando FL, Deltona manufactured home inspection, Deltona home inspection, Deltona home inspection price, Deltona home inspection company Orange City, Deland, Daytona Beach, Ormond Beach, Orlando, Longwood, Winter Park, Casselberry, Sanford, Debary, New Smyrna, Eustis, Mt Dora, Leesburg, Lady Lake, The Villages, Apopka, Florida Hills, Cassia, Umatilla, Fullerville, Mt Plymouth, Ethel, Sorrento, Mt Dora, Eustis, Mt Homer, Tavares, Grand Island, Bassville Park, Lisbon, Leesburg, Fruitland Park, Lady Lake, The Villages, Wekiva, Deltona, Ormond Beach, Ormond by the Sea, Ormond, Osteen, Lake Helen, Cassadaga, Samsula, Debary, De Leon Springs, Conrad, Barberville, Pierson, South Daytona, Daytona Beach Shores, Ponce Inlet, Wilbur by the Sea, Port Orange, Clencoe, Edgewater, Holly Hill, Maitland, Zellwood, Eatonville
Orange City home inspection, best home inspection Orange City, home inspection Orange City FL, Orange City FL home inspection, Orange City home inspector, Orange City FL home inspector, home inspector Orange City, home inspector Orange City FL, Orange City mobile home inspection, Orange City asbestos inspection, Orange City four point inspection, Orange City condo inspection, condo inspection Orange City, Orange City wind mitigation, wind mitigation Orlando FL, Orange City manufactured home inspection, Orange City home inspection cost, Orange City home inspection price, Orange City home inspection company
Daytona Beach home inspection, best home inspection Daytona Beach, home inspection Daytona Beach FL, Daytona Beach FL home inspection, Daytona Beach home inspector, Daytona Beach FL home inspector, home inspector Daytona Beach, home inspector Daytona Beach FL, Daytona Beach mobile home inspection, Daytona Beach asbestos inspection, Daytona Beach four point inspection, Daytona Beach condo inspection, condo inspection Daytona Beach, Daytona Beach wind mitigation, wind mitigation Orlando FL, Daytona Beach manufactured home inspection, Daytona Beach home inspection cost, Daytona Beach home inspection price, Daytona Beach home inspection company
Deland home inspection, best home inspection Deland, home inspection Deland FL, Deland FL home inspection, Deland home inspector, Deland FL home inspector, home inspector Deland, home inspector Deland FL, Deland mobile home inspection, Deland asbestos inspection, Deland four point inspection, Deland condo inspection, condo inspection Deland, Deland wind mitigation, wind mitigation Orlando FL, Deland manufactured home inspection, Deland home inspection cost, Deland home inspection price, Deland home inspection company
Lake Mary home inspection, best home inspection Lake Mary, home inspection Lake Mary FL, Lake Mary FL home inspection, Lake Mary home inspector, Lake Mary FL home inspector, home inspector Lake Mary, home inspector Lake Mary FL, Lake Mary mobile home inspection, Lake Mary asbestos inspection, Lake Mary four point inspection, Lake Mary condo inspection, condo inspection Lake Mary, Lake Mary wind mitigation, wind mitigation Orlando FL, Lake Mary manufactured home inspection, Lake Mary home inspection cost, Lake Mary home inspection price, Lake Mary home inspection company
Orlando home inspection, best home inspection Orlando, home inspection Orlando FL, Orlando FL home inspection, Orlando home inspector, Orlando FL home inspector, home inspector Orlando, home inspector Orlando FL, Orlando mobile home inspection, Orlando 4 PT insurance inspection, Orlando four point inspection, Orlando condo inspection, condo inspection Orlando, Orlando wind mitigation, wind mitigation Orlando FL, Orlando manufactured home inspection, Orlando home inspection cost, Orlando home inspection price, Orlando home inspection company
Port Orange home inspection, best home inspection Port Orange, home inspection Port Orange FL, Port Orange FL home inspection, Port Orange home inspector, Port Orange FL home inspector, home inspector Port Orange, home inspector Port Orange FL, Port Orange mobile home inspection, Port Orange asbestos inspection, Port Orange four point inspection, Port Orange condo inspection, condo inspection Port Orange, Port Orange wind mitigation, wind mitigation Orlando FL, Port Orange manufactured home inspection, Port Orange home inspection cost, Port Orange home inspection price, Port Orange home inspection company
New Smyrna home inspection, best home inspection New Smyrna, home inspection New Smyrna FL, New Smyrna FL home inspection, New Smyrna home inspector, New Smyrna FL home inspector, home inspector New Smyrna, home inspector New Smyrna FL, New Smyrna mobile home inspection, New Smyrna asbestos inspection, New Smyrna four point inspection, New Smyrna condo inspection, condo inspection New Smyrna, New Smyrna wind mitigation, wind mitigation Orlando FL, New Smyrna manufactured home inspection, New Smyrna home inspection cost, New Smyrna home inspection price, New Smyrna home inspection company
Altamonte Springs home inspection, best home inspection Altamonte Springs, home inspection Altamonte Springs FL, Altamonte Springs FL home inspection, Altamonte Springs home inspector, Altamonte Springs FL home inspector, home inspector Altamonte Springs, home inspector Altamonte Springs FL, Altamonte Springs mobile home inspection, Altamonte Springs asbestos inspection, Altamonte Springs four point inspection, Altamonte Springs condo inspection, condo inspection Altamonte Springs, Altamonte Springs wind mitigation, wind mitigation Orlando FL, Altamonte Springs manufactured home inspection, Altamonte Springs home inspection cost, Altamonte Springs home inspection price, Altamonte Springs home inspection company
Winter Park home inspection, best home inspection Winter Park, home inspection Winter Park FL, Winter Park FL home inspection, Winter Park home inspector, Winter Park FL home inspector, home inspector Winter Park, home inspector Winter Park FL, Winter Park mobile home inspection, Winter Park asbestos inspection, Winter Park four point inspection, Winter Park condo inspection, condo inspection Winter Park, Winter Park wind mitigation, wind mitigation Orlando FL, Winter Park manufactured home inspection, Winter Park home inspection cost, Winter Park home inspection price, Winter Park home inspection company
Longwood home inspection, best home inspection Longwood, home inspection Longwood FL, Longwood FL home inspection, Longwood home inspector, Longwood FL home inspector, home inspector Longwood, home inspector Longwood FL, Longwood mobile home inspection, Longwood asbestos inspection, Longwood four point inspection, Longwood condo inspection, condo inspection Longwood, Longwood wind mitigation, wind mitigation Orlando FL, Longwood manufactured home inspection, Longwood home inspection cost, Longwood home inspection price, Longwood home inspection company
Casselberry home inspection, best home inspection Casselberry, home inspection Casselberry FL, Casselberry FL home inspection, Casselberry home inspector, Casselberry FL home inspector, home inspector Casselberry, home inspector Casselberry FL, Casselberry mobile home inspection, Casselberry asbestos inspection, Casselberry four point inspection, Casselberry condo inspection, condo inspection Casselberry, Casselberry wind mitigation, wind mitigation Orlando FL, Casselberry manufactured home inspection, Casselberry home inspection cost, Casselberry home inspection price, Casselberry home inspection company