The Four Point Insurance Inspection is the verification of the home's four main systems: electrical, HVAC (air conditioning, heating, ventilation), plumbing and roof, submitted in a form to properly evaluate an application for insurance. These 4 Point Home Inspection Services must be completed and signed by a verifiable inspector.
We are Professional Engineers Inspectors performing Four Point Inspections in South Florida.
The licensed professional is required to certify the condition of the four major systems in these Insurance Inspections.
STATE OF FLORIDA - BOARD OF PROFESSIONAL ENGINEERS.
COMPANY LICENSE (Certificate of Authorization): C.A. 28738.
We perform concrete, precise and technically supported Real Estate professional home inspections (residential and commercial) with the best combination of qualifications, home inspection report and turnaround time.
Which Real Estate properties need this 4 Point Insurance Inspection and Why.
Properties (older home, more than 30 years) are more vulnerable to loss if systems have not been updated.
In an older home, the underwriters 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 does the Real Estate Inspector look for in older homes when doing the 4-Point Inspection.
They look for the minimum data needed for Insurance Companies Underwriters in this type of Inspection.
Current operating conditions.
The expected service life.
Scheduled maintenance requirements.
"Acceptable Condition" for homeowners insurance companies means that in the Four-Point Inspection Report, each system is working as intended and there are no visible hazards or deficiencies.
This Inspection needs to be completed within the last year by an approved certified inspector (Engineer).
If this Inspection indicates unacceptable conditions, the policy is not eligible for coverage.
Who can sign off this 4-Point Inspection.
The following licensed professionals can complete this 4-Point Inspection in its entirety.
A Professional Engineer.
A general, residential, or building contractor.
A registered architect.
A building code inspector, or official who is authorized by the State of Florida to verify code compliance.
A trade contractor may sign off only on their trade component of the certified 4-Point Inspection (Residential or Commercial Inspection).
What Four Point Home Inspection form do we use.
There are no industry wide standard form for this 4-Point Inspection.
Insurance company can provide their own insurance mitigation report; however, most insurance companies will accept forms from all companies, provided that they are filled out by qualified individuals.
We use a variance of the Citizens Home Insurance Company 4-Point Insurance Inspection Report.
Our Citizens Insurance Company 4-Point Inspection form has been modified to show more possible hazards in the electrical part.
Four Point Insurance Inspection for older homes.
Panels: model, age, date of last update, capacity
Hazards present: blowing fuse, tripping breaker, over fusing, loose wiring, double tap, open spaces, breaker identification, improper wiring, exposed cables, improper grounding, Ground Fault Circuit Interrupter (GFCI), smoke detectors.
Central or portable.
Types of pipes.
Deficiencies: active or prior leaks, water heater and Temperature and Pressure Relieve Valve (TPR).
Age of covering.
Remaining useful life.
Last roof permit.
Signs of damages or deterioration: curling, lifted, loose missing shingles or tiles, leaks.
Which are the minimum photo requirements these Home Inspections.
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 Insurance Inspection.
This 4 Point Inspection costs $150 (on sale now: $90) and we can include a Wind Mitigation Inspection for $90 (on sale now) 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 Inspection, Wind Mitigation Inspection, Home Inspection Services Hialeah, Fort Lauderdale by the Sea, Coral Gables, Homestead, Kendall West, Kendale Lakes, The Hammocks, Aventura, Bal Harbour, Bay Harbor Islands, Key Byscayne, Biscayne Park, Cutler Bay, Doral, El Portal, Florida City, Golden Beach, Indian Creek, Medley, North Bay Village, Opa-Locka, Palmetto Bay, Pinecrest, Sunny Isles Beach, Surfside, Sweetwater, Virginia Gardens, Coconut Creek, Cooper City, Coral Springs, Dania Beach, Davie, Deerfield Beach, Hallandale Beach, Hillsboro Beach, Hillsboro Pines, Hollywood, Lauderhill, Lighthouse Point, Margate, Miramar, Oakland Park, Parkland, Pembroke Pines, Pembro Park, Plantation, Pompano Beach, Sea Ranch Lakes, Southwest Ranches, Sunrise, Tamarac, West Park, Weston, Wilton Manors, Brownville, Calusa Club, Coral Terrace, Country Club, Allapattah, Coconut Grove, Liberty City, Little Havana, Wynwood, Country Walk, Fisher Island, Fontainebleau, Gladeview, Glenvar Heights, Golden Glades, Goulds, Ives Estates, Leisure City, Naranja, Ojus, Olympia Heights, Little Haiti, Design District, Palm Springs North, Palmetto Estates, Pinewood, Princeton, Richmond Heights, Richmond West, Sunset, Tamiami.
Please, request your inspection.