Florida Home Ownership

What is a 4-point inspection and when is it required in Florida?

Answered by Stephanie C.

A 4-point inspection evaluates four major systems — roof, electrical, plumbing, and HVAC — and is required by most Florida insurance companies for homes over 20-30 years old before they will issue a policy. It is not as comprehensive as a full home inspection but gives insurers a snapshot of the home's condition and risk. Cost is $75-$150. If any system is outdated (Federal Pacific panel, polybutylene pipes, aging roof), the insurer may require updates before binding coverage.

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With over 23 years of real estate experience, Barrett helps buyers and sellers across Valrico and the Tampa Bay area. Straight talk. Smart strategy.

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