The short answer
A standalone 4-point inspection typically costs about $100 to $300*, according to Florida’s Insurance Consumer Advocate. Some insurers and consumer sites quote lower, around $50 to $150*. Bundling it with a wind mitigation inspection at the same visit often costs less than booking two trips. When your insurer asks you to provide one, you usually pay.
Is this you?
- Your insurer or agent asked for a 4-point and you want to know a fair price before you call around.
- You are buying an older home and the 4-point is one more closing cost.
- An inspector quoted you a price that seems high, or suspiciously low.
- You are helping a parent budget for an inspection and possible repairs.
What 4-point inspections cost
Published ranges vary a bit by source and by year. Here is what we found, starting with the official one.
| Source | Typical price |
|---|---|
| Florida Insurance Consumer Advocate (state office) | $100 to $300* for a standalone inspection |
| Security First Insurance (Florida insurer) | $75 to $150* |
| Slide Insurance (Florida insurer) | $75 to $150* |
| Insurify and Jerry (consumer insurance sites) | $50 to $150* on average |
For comparison, a full home inspection usually runs about $300 to $500* or more, according to SoFi and Insurify. A 4-point costs less because it covers only four systems (roof, electrical, plumbing, and heating and air) and takes about an hour. If you need a roof-only inspection instead, see roof inspection cost.
What changes the price
- Home size. A bigger home has more roof, more plumbing, and sometimes more than one electrical panel or AC unit.
- Home age. Older homes often have mixed materials and past repairs to document, which takes longer.
- Where you live. Prices differ by region and by how busy inspectors are, for example right before hurricane season or during a busy home-buying market.
- Who does it. Home inspectors, contractors, and inspection companies all set their own rates.
- Bundles. Adding a wind mitigation inspection, a roof certification, or a full home inspection to the same visit often lowers the price of each piece.
Bundling with a wind mitigation inspection
In Florida, many homeowners order a 4-point and a wind mitigation inspection together. They answer different questions. The 4-point helps your insurer decide whether to cover the home. The wind mitigation inspection records storm-resistant features that can earn a discount on the hurricane part of your premium.
On its own, a wind mitigation inspection often costs about $75 to $150*, according to the Florida PACE Funding Agency and Insurify. Florida’s consumer advocate notes that inspections bundled with other services may be priced as a package. Ask each inspector for both prices: the 4-point alone, and the 4-point plus wind mitigation. Our guide to wind mitigation inspection cost explains when that second inspection pays off.
Who pays for a 4-point inspection?
| Situation | Who usually pays |
|---|---|
| Your insurer asks you to provide a 4-point to apply or renew | You, the homeowner |
| You are buying a home and need insurance to close | The buyer, because it is for the buyer’s policy |
| You are selling and want to show buyers the home is insurable | The seller, if they choose to get one early |
| Citizens orders its own inspection after your policy starts | Citizens. It describes these as free to the policyholder |
| Your insurer sends its own inspector | Usually the insurer. Ask if you are unsure |
In a home sale, who pays is something you can negotiate. Some buyers ask the seller for a credit if the 4-point turns up an old electrical panel or plumbing that must be replaced.
Costs people forget
- A second visit. If something fails and you fix it, the inspector may need to come back and update the form. Ask up front whether that costs extra.
- An electrician’s letter. On the Citizens 4-point form, fixing single-strand aluminum wiring needs separate paperwork certified by a licensed electrician.
- Repairs. The inspection is cheap. Replacing an old panel, re-piping, or roof work is where the real money goes, so get written quotes before you agree to anything.
- An expired report. If you wait too long to apply, you may have to pay for a new inspection.
How to avoid paying twice
- Check timing first. Florida’s consumer advocate says reports generally must be dated within 30 days before you apply, though each insurer sets its own window. Ask your agent before you book.
- Confirm the form. Ask which form version your insurer wants. Citizens’ current form is labeled Insp4pt 03 25.
- Verify the license. Insurers can reject a form if the inspector’s Florida license can’t be verified. Check it at myfloridalicense.com.
- Ask for the full report and photos. You paid for it. Keep a copy in case you switch insurers within the valid window.
- Get two or three quotes. The consumer advocate’s guide suggests comparing several licensed inspectors.
If you are in Florida, our page on Florida 4-point inspection rules covers who must have one, who can sign it, and what fails most often.
Good to know
A very cheap price is not always a bargain. Florida’s consumer advocate says a 4-point should take about an hour, and an inspection that takes much less may not be thorough. A rushed report that misses something can cost you more later.
Want a local roofer to take a look?
A local roofer can check your roof and tell you whether a repair, a roof certification, or a replacement makes sense. Free, with no obligation.
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Common questions
Is a 4-point inspection worth paying for if my insurer didn’t ask?
Sometimes. If you plan to sell, switch insurers, or your home is around 20 years old or more, an early 4-point shows you problems while you still have time to fix them on your own schedule.
Can I use the 4-point from when I bought the house?
Only if your insurer still accepts it. Many want a recent report, so an older one may not work. Ask your agent.
Does homeowners insurance pay for the 4-point?
Usually not when the insurer asks you to provide one. Some insurers, including Citizens, order their own inspections at no cost to you.
Is a 4-point cheaper than a roof certification?
Prices overlap. A roof certification looks only at the roof but gives a signed estimate of remaining life. Your insurer will tell you which one it needs.
Where to go next
- 4-point inspections: the basics
- How to prepare for an insurance roof inspection
- Insurance roof inspections explained
Sources (11)
Source links open in a new tab. This page stays open, so you can come right back.
- Four-Point Inspection Guide (Florida Insurance Consumer Advocate)
- What is a 4-point inspection? (Security First Insurance)
- What is a 4-point inspection? (Slide Insurance)
- What is a 4-point home inspection? (Insurify, 2024)
- How much does a 4-point inspection cost? (Jerry)
- What is a 4-point inspection? (SoFi, 2026)
- Wind mitigation (Florida PACE Funding Agency)
- How wind mitigation can help you save (Insurify, 2024)
- Four-Point Inspection Form, Insp4pt 03 25 (Citizens)
- Inspections (Citizens Property Insurance Corp.)
- Home inspections critical for proper coverage (Citizens, 2022)
* Prices are estimates and could vary depending on roof size, labor, and materials used.