What is a Four (4) Point Inspection?
The Four 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.
4 Point Inspections must be completed and signed by a verifiable inspector.
All Home Meters (AHM): Professional Engineers Inspectors performing 4-Point Inspection in South Florida.
Which properties need this 4-Point Inspection and Why?
- Real Estate properties/older homes (older than 30 years) are more vulnerable to loss if systems have not been updated.
- In an older home, the 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 inspection.
- Current operating conditions.
- The expected service life.
- Scheduled maintenance requirements.
"Acceptable Condition" means for the insurance companies that each system is working as intended and there are no visible hazards or deficiencies.
This Home Inspection Miami needs to be completed within the last year by an approved certified inspector (Engineer).
If this 4-Point 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 Home Inspection?
The following licensed professionals can complete the 4-Point 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 Commercial Inspection or Residential Home Inspection report.
What Insurance Inspection Form do we use?
⦁ There is no industry wide standard form for this type of Home Inspections.
⦁ Some Insurance companies provide their own inspection report - insurance mitigation report; however, most insurance companies will accept forms from companies that perform home 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 Form 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 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 4-Point Inspection report submitted.
How much does the inspection cost?
This 4-Point Inspection is $120 and we can include a Wind Mitigation 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?
Home inspection, 40 Year Building Recertification, 4 Point Inspection Services in Hialeah, Doral, Homestead, Kendall, Fort Lauderdale by the Sea, Kendale Lakes, The Hammocks, Sunny Isles, Hallandale, Davie, Deerfield Beach, Pompano Beach, , Dania Beach, Tamarac, Coral Springs, Deerfield Beach, Margate, Sunrise, Plantation, Palmetto Bay, 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, West Palm Beach, 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, West Palm Beach, 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.