4-Point Inspection in Southwest Florida

Most Florida insurers want a 4-point inspection before they’ll write or renew a policy on an older home. It’s a focused look at the four systems most likely to cause a claim: the roof, electrical, plumbing and heating and air conditioning. Kelting Inspections & Services completes 4-point inspections across Southwest Florida, usually on the same visit as your home inspection.

Book a 4-point inspection online or call or text (941) 655-8888.

Who needs a 4-point inspection?

It depends on the insurer. Many carriers require one for homes around 30 years old and up, and some ask for it on younger homes. Citizens Property Insurance has its own age rules. Ask your insurance agent which rule applies before you book. Buyers usually need one before closing so the policy can be bound.

What we inspect

Roof

Covering type, approximate age, remaining life, and visible damage or leaks, including signs in the attic and ceilings. Insurers often want a roof with several years of life left.

Electrical

Panel brand and condition, breaker sizing, wiring type and visible hazards. Insurers often reject Federal Pacific Stab-Lok and Zinsco panels, fuse boxes, and cloth or aluminum branch wiring.

Plumbing

Supply and drain piping types, water heater age and condition, and active leaks. Polybutylene grey piping is a common reason for denial.

HVAC

The AC and heating system’s age, condition and whether it’s working.

4-point vs. home inspection vs. wind mitigation

Home inspection: the whole house, for your buying decision.
4-point: four systems, on the form your insurer requires, for eligibility.
Wind mitigation: documents wind-resistant features on the OIR-B1-1802 (Rev. 04/26) form that can lower your windstorm premium. See wind mitigation inspections.

Not sure which you need? Read what inspections do I actually need.

How to prepare

Clear access to the electrical panel, water heater, AC air handler and attic hatch
Have dates for any roof, AC, water heater or re-pipe work, plus permits if you have them
Read our 4 things to check before a 4-point inspection

Frequently asked questions

Can a home “fail” a 4-point?
The inspection reports conditions; the insurer decides. If something like an older panel or polybutylene piping is found, the insurer may require it to be replaced before writing the policy.

How long is a 4-point valid?
Insurers typically accept a 4-point inspection for about one year, but the final rule is your insurer’s.

Do you inspect condos and manufactured homes?
Yes. We inspect condos and manufactured homes, including homes in land-lease communities.