Wednesday, August 9, 2017

A Four-Point Inspection is Often a Requirement When Obtaining a New Homeowners Insurance Policy or Renewing an Existing Policy


After hurricane Andrew in Florida, insurance companies in Florida have been trying to encourage home owners to make their homes safer and reduce insurance claims. Many of the insurance companies and JUA (Joint Underwriting Association) now request a Four Point Inspection.

A “Four Point Inspection” focuses only on four main areas of interest in a home:Four Point Inspection Services in Florida

  • HVAC (Heating, Ventilation and Air Conditioning)
  • Electrical wiring and panels
  • Plumbing connections and fixtures
  • Roof

Most homes older than 25 years are required by their insurance companies to get this inspection done. Insurance companies require four point inspections to evaluate the age and condition of the components of your home. Though homeowners insurance policies don’t typically cover these areas, if they are old or in disrepair, they could contribute to a covered event such as damage from a fire or severe weather.

Some insurance companies have their own forms they want complete but most of them accept forms filled out by our licensed professional inspectors. The report needed includes specific information about the HVAC, plumbing, electrical system and roof in a short one or two page signed document.

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