The short answer
A 4-point inspection checks four systems: the roof, the electrical system, the plumbing, and the heating and cooling. Insurers use it mostly in Florida to decide whether to cover an older home. Citizens, Florida’s state-backed insurer, requires one for homes more than 20 years old, and private insurers set their own rules.
Is this you?
- Your insurer asked for a 4-point inspection before renewing or writing a new policy.
- You are buying an older home and the buyer’s insurer wants one.
- You got a 4-point report with items marked as a problem.
What the inspector checks
| System | What they look at |
|---|---|
| Roof | Age, material, remaining life, damage, and signs of leaks |
| Electrical | Panel type and age, wiring type, and any unsafe conditions |
| Plumbing | Pipe material, water heater age, and visible leaks |
| Heating and cooling | Age and whether the system works |
Common reasons homes get flagged
- A roof near the end of its life, or with active leaks
- Older electrical panels that insurers consider higher risk, such as some Federal Pacific or Zinsco panels
- Old wiring types, such as knob-and-tube
- Polybutylene plumbing pipes
- A very old or leaking water heater
Cost and timing
A 4-point inspection often costs roughly $100 to $200 and usually takes under an hour. It should be done by a licensed inspector. Many insurers accept a report done within about the past year, but ask yours.
How to prepare
- Clear access to the attic, electrical panel, water heater, and heating and cooling unit.
- Find permits or receipts for any roof, electrical, plumbing, or heating work, with dates.
- Fix small, obvious problems first.
- Ask the inspector for photos and a copy of the report.
Good to know
If one system fails, you usually do not need to redo the whole inspection. Fix the item, keep the invoice and photos, and ask your insurer what proof they need.
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.
Independent consumer education. We may earn a fee or commission when you contact a partner or buy through links on this site, at no extra cost to you.
Common questions
Who can do a 4-point inspection?
Usually a licensed home inspector, or another licensed professional your insurer accepts. Ask your insurer which they accept.
Is a 4-point inspection the same as a full home inspection?
No. A full home inspection looks at the whole house. A 4-point inspection looks only at the four systems insurers care most about.
What if my roof fails the 4-point?
See your options if your roof fails. A repair and a roof certification are often enough.