4-Point Inspection
Serving most of Central Florida. Suncoast Certified Home Inspections offers Four-Point Inspections tailored to meet the requirements of insurance companies. These inspections focus on the four major systems of your home: roofing, electrical, plumbing, and HVAC (heating, ventilation, and air conditioning). Whether you're renewing an insurance policy or buying a new home, our licensed and insured inspectors provide detailed reports that help protect your investment and ensure compliance with insurance requirements.
What is a 4-Point Inspection?
A Four-Point Inspection is a specific evaluation required by insurance companies to assess the condition of four key systems in older homes. It helps insurers determine if these systems are in good working order and if any risks need to be addressed. This inspection is often required for homes 30 years or older or homes with outdated systems.
What Do We Inspect?
Our Four-Point Inspection covers:
Roof: Condition, age, and any signs of damage or wear.
Electrical System: Wiring, panels, and overall system safety.
Plumbing: Pipes, water heaters, and potential leaks or damages.
HVAC: Age and condition of heating and cooling systems, as well as functionality.
Why is a 4-Point Required by Insurance?
Insurance companies request this inspection to assess the risks associated with an older home. They want to ensure that these four key systems are in good condition to avoid potential insurance claims for major repairs or damage. If the systems are outdated or in poor condition, the insurance company may require updates before providing or renewing coverage.
Why Choose Suncoast For Your 4-Point Inspection?
Fast Turnaround: Get your inspection report within 24 hours, so you can quickly submit it to your insurance company.
Licensed & Insured Inspectors: Our experienced team provides accurate, thorough inspections that meet insurance requirements.
Client Portal: Easily access reports, schedule inspections, and communicate with our team through our secure online portal.
Serving Central Florida: We proudly serve Pinellas, Pasco, Hillsborough, Polk, and Manatee counties.
Schedule Your Four-Point Inspection Today!
Protect your home and stay in compliance with insurance requirements. Schedule your Four-Point Inspection with Suncoast Certified Home Inspections today and receive a detailed report you can trust.
4-Point Inspection FAQ’s
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A Four-Point Inspection is a specialized evaluation required by insurance companies for homes over 20 years old. It focuses on four key areas of the home: roofing, electrical, plumbing, and HVAC systems. This inspection helps insurers determine if these systems are in good condition and pose any risks.
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Insurance companies often require a Four-Point Inspection before providing or renewing coverage on older homes. This inspection ensures that your home's critical systems are in working order and meet current safety standards, minimizing the risk for insurers.
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The Four-Point Inspection covers:
Roof: We assess the roof's age, condition, and any signs of wear or damage.
Electrical System: This includes checking wiring, electrical panels, and general safety.
Plumbing: We evaluate the condition of pipes, fixtures, and water heaters for leaks or damage.
HVAC System: We inspect the age, condition, and functionality of your heating and cooling systems.
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Typically, 15-30 minutes depending on the size of the home. As long as we have clear access to all points.
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You will receive your comprehensive Four-Point Inspection report within 1-2 business days, allowing you to quickly provide it to your insurance company. Expedited reports are offered at an additional rate.
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A Four-Point Inspection is more limited in scope, focusing only on the roof, electrical, plumbing, and HVAC systems. A full home inspection, on the other hand, covers every aspect of the home and conducts tests, including structure, insulation, and appliances, providing a more complete overview of the home’s condition.
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If your home does not meet the insurance company’s standards, the inspector will inform you or provide a detailed report outlining the issues. You can then make the necessary repairs or upgrades and resubmit the report for insurance approval. We can also hold off on turning your report in until necessary changes are made.
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A Four-Point Inspection is typically required when renewing an insurance policy on older homes or when buying a home. In the state of Florida, Four-Point Inspections are only valid for up to one year. If your policy is up for renewal or if you’ve made significant repairs or upgrades to any of the four systems, it’s a good idea to schedule a new inspection.
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We provide Four-Point Inspections across Central Florida, including Pinellas, Pasco, Hillsborough, Polk, Orange, Seminole, Osceola, and surrounding counties.
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We charge $100 for a standard 4-point inspection. For larger homes with more than one electrical panel/ HVAC system there is an additional $25 per unit. We offer combo wind and 4-point inspection for $150
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Yes! we offer a discount for 2 or more inspections performed at the same property in the same day. The price for a wind & 4-point inspection is $150 for a standard home.