What is a 4 Point ?

A 4 Point in Pasco, Pinellas, Hillsborough, Sarasota, and Orange County is an evaluation of the 4 major systems in the home(Roof, HVAC, Plumbing, Electrical) and is required by most Florida insurance companies if the home is older than 25 years. The 4 point inspection gives the insurance underwriters the tools they need to asses the potential risk they may be taking when insuring your home.

FL Home insurance companies want to ensure the home has been well maintained and all systems are in good, working condition. They are concerned that one or more of the 4 major systems may have pre existing conditions that may cause them to fail in the future. This puts liability on the insurance company as the homeowner may seek reimbursement for damage to the home or it’s contents.

Each insurance carrier may have their own requirements for the 4 point inspection, so check with your insurance agent before proceeding with the inspection.