4-Point Inspection
What is a 4-point inspection?
(from www.citizensfla.com)
​A visual, non-invasive inspection focused on the
4 major systems in the home:
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Electrical
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HVAC (Heating, Ventilation, and Air Conditioning)
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Plumbing
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Roof
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Applicant/insured hires a FL-licensed inspector to conduct the inspection.
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Why is a 4-point inspection required?
To validate acceptable conditions are present so the risk is eligible for coverage.
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Due to age and general deterioration (pending the quality of materials, construction/installation, and ongoing maintenance efforts) older homes typically experience a higher frequency and severity of claims.
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Faults in these 4 major systems represent a large portion of the losses paid by the insurance industry.
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When is a 4-point inspection required?
When you own or purchase an older home, rental property, or condo in Florida, you will likely need for a 4 point inspection before purchasing a homeowners policy. Most insurance companies will require a 4 point inspection when a home is older than 40 years, or a rental property is older than 30 years.