4-Point Inspection

A four-point inspection is often required, or requested, for the homeowner of properties that are older. A Florida-licensed inspector will check the home’s electrical system, plumbing, heating/cooling system (HVAC), and roof. The inspector must provide the age, type, and condition of the wiring, heating and plumbing systems, and roof. Any serious hazards or deficiencies (such as exposed wiring, active leaks, or evidence of leaks) should be repaired before an application for coverage is submitted.

The below represents a general list of items the inspector may check during the visit to your home:

Roof

-No curling, lifting, or missing shingles. Aggregate not washed away.

-No indications of leaks.

-No damaged flashings including pipe flashings.

Air Conditioning and Heating

-Air conditioner and heating system should be installed, complete, and operable.

Electrical

-Check that GFCI receptacles are installed – Bathrooms, kitchen, garage.

-Electrical Panel: (remove objects from in front of electrical panel to make accessible.

-Verify the manufacturer of the panel. Many insurance companies will not insure certain brands of panels. Verify insurability with your insurance agent.

-Verify no open spaces in the electrical panel.

-Inspector will verify that there are no double taps and wiring is proper inside the panel. Do not attempt to do this yourself unless you are a licensed electrician.

-Verify that the electrical panel box and breakers are from the same manufacturer.

-No electrical switch/outlet covers are missing.

-Smoke detectors are in working condition.

-No exposed Romex wiring or electrical connections in any room including attached sheds, laundry rooms, and workshops. This includes Romex wiring at garbage disposal.

Plumbing

-No water leaks at sinks, drains, supply lines, valves, and washing machine hoses.

-No evidence of previous leaks.

-Water Heater: (Remove objects from in front of electrical panel to make accessible before the inspector arrives).

-No leaks.

-Electrical wiring in protective conduit.

-Water Heater Valve Drain Line installed properly.