The 4 Point Inspection is the verification of the home's four main systems (electrical, heating, plumbing and roof) submitted in a form to properly evaluate an application for insurance. Four Point Insurance Inspection Services must be completed and signed by a verifiable inspector.
All Home Meters (AHM): Professional Engineers Inspectors performing 4 Point Insurance Inspection in South Florida.
Which properties need this 4-Point Inspection and Why?
- Properties/older homes (older than 30 years) are more vulnerable to loss if systems have not been updated.
- In an older home, the home insurance company want to see that the systems have been updated.
- The insurance companies are looking for the four systems to be in generally good working condition and fulfilling their intended function and expecting the systems to be working as intended within the manufacturer’s specifications.
What do Insurance Inspectors look for?
They look for the minimum data needed for Underwriting in the residential and commercial 4-Point Inspection :
- Current operating conditions.
- The expected service life.
- Scheduled maintenance requirements.
"Acceptable Condition" for insurance companies means that each system is working as intended and there are no visible hazards or deficiencies.
This 4-Point Inspection needs to be completed within the last year by an approved certified inspector (Engineer).
If this Mitigation Inspection indicates unacceptable conditions, the policy is not eligible for coverage.
The licensed professional is required to certify the condition of the four major systems in this Home Inspection.
Who can sign off this Real Estate Inspection Form?
The following licensed professionals can complete this Four Point Insurance Inspection in its entirety:
- A Professional Engineer.
- A general, residential, or building contractor.
- A building code inspector.
- A registered architect.
- A HI.
- A building code official who is authorized by the State of Florida to verify building code compliance.
A trade contractor may sign off only on their trade component of the certified Residential or Commercial Inspection.
What form does the Inspector use?
⦁ There is no industry wide standard form for this type of Inspections.
⦁ Some companies provide their own insurance mitigation report; however, most insurance companies will accept inspection forms from companies that perform inspections provided that they are filled out by qualified individuals.
⦁ We use a variance of the Citizens Insurance Company Inspection Form.
⦁ Our Citizens 4-Point Inspection report has been modified to show more possible hazards in the electrical part.
Which are the minimum photo requirements?
⦁ Front elevation.
⦁ Rear elevation.
⦁ Open main electrical system panel and interior door.
⦁ HVAC (Heating, Ventilation and Air Conditioning) system (with dated manufacturer’s plate).
⦁ All hazards or deficiencies noted.
Photos must accompany each Four Point Home Inspection report submitted.
How much do the Inspections cost?
This Inspection is $120 and we can include another Insurance Inspection for $60 in the same order.
Re-inspection fee of $90 is charged by the Inspector.
Please request a quote.
What is our service area?
4 Point Home Inspection Hialeah, Doral, Homestead, FL, Fort Lauderdale by the Sea, Beach, Doral, Coral Gables, Homestead, Kendall West, Kendale Lakes, The Hammocks, Doral, Miramar, Pembroke Pines, Weston, Sunny Isles, Hallandale, Hollywood, Davie, Deerfield Pompano, Dania Beach, Tamarac, Margate, Sunrise, Plantation, Palmetto, Cutler Bay, Pinecrest, Aventura, Shores, Surfside, Sweetwater, Opa-Locka, Westchester, Bal Harbour, Bay Harbor Islands, Indian Creek Village, Springs, Shores, Medley, Key Biscayne Park, El Portal, West Oakland Park, Southwest Ranches, Hillsboro, Lauderhill, Parkland, Cooper City, Virginia Gardens, Calusa Club, Allapattah, Coconut Grove, Liberty City, Little Havana, Wynwood, Kendale Lakes, Olympia Heights, Little Haiti, Design District, Watson Fisher Island, Carol City, Coral Terrace, Country Club, Fontainebleau, Glenvar Hights, Goulds, Leisure City, Princeton, Richmond West, Tamiami, The Crossings, Westview, Little River, University Park, Boca Raton, West Palm Beach, South Florida City.