Florida insurance
Four-point inspection
In short
A four-point inspection reports on a home's roof, electrical, plumbing, and HVAC. Florida insurers often require one on older homes before they'll write a policy.
A four-point inspection is a focused look at four systems — roof, electrical, plumbing, and heating/cooling — to gauge their age and condition. It's narrower than a full home inspection and serves the insurer rather than the buyer.
Florida carriers commonly require a four-point on homes past a certain age before they'll issue or renew a policy, because those four systems drive the biggest claims. A poor result can limit coverage options or require repairs first.
Because insurability affects whether a loan can close, the four-point matters to financing, not just to insurance — an uninsurable home is generally unmortgageable.
Related
Current as of August 2026.