Many Florida insurers require a 4-point inspection before insuring an older home. It’s a focused look at the four systems most likely to cause a claim: roof, electrical, plumbing and HVAC.
When is a 4-point inspection required?
Requirements vary by carrier, but they are commonly requested for homes roughly 25–30 years old or older, and sometimes when buying a home or switching insurers.
The four points
- 1Roof — age, material, remaining life and any signs of leaks or damage.
- 2Electrical — panel type and condition, wiring type, and any hazards.
- 3Plumbing — pipe materials, water heater age and any active leaks.
- 4HVAC — age, condition and whether the system is working properly.
Common reasons homes fail
Some carriers decline older panel brands, certain pipe materials, roofs near the end of their life, or water heaters past a set age. Updating these systems — and keeping the permits — improves your options.
How we help
Tell us your home’s age and recent updates. We’ll tell you whether a 4-point is likely needed and which carriers are most flexible for your situation.
Frequently asked questions
Is a 4-point the same as a full home inspection?
No. A 4-point inspection looks only at the roof, electrical, plumbing and HVAC systems. A full home inspection for a purchase is much broader.
Can I combine it with a wind mitigation inspection?
Yes. Many inspectors perform both on the same visit, which is convenient and can save money.
Questions about your policy?
Our Palm City agents will walk you through it — no obligation.
More guides
This guide is general information; your policy language controls your coverage. Last reviewed 2026-10-19.