What a 4-Point Inspection Covers, and When Your Insurer Will Ask for One
A 4-point inspection checks four home systems — roof, electrical, plumbing, and HVAC — and documents the age, type, and condition of each. Insurers use it to decide whether to write or renew a policy on an older home; Citizens Property Insurance, for example, requires one on any property more than 20 years old. TSC is licensed to both perform the inspection (Home Inspector HI6189) and make the repairs it turns up.
What are the four systems, and what does the inspector check?
| System | What the inspector documents |
|---|---|
| Roof | Age, material, and visible condition of the roof covering. |
| Electrical | Wiring type, panel condition, and any outdated or hazardous components. |
| Plumbing | Pipe material and age, and visible signs of leaks or corrosion. |
| HVAC | Age and condition of the heating and cooling system. |
When will my insurer ask for one?
There's no single statewide age trigger — it's set by each insurer. Citizens Property Insurance Corporation, Florida's state-backed insurer of last resort, requires a 4-point inspection for property owner, dwelling, and mobile home applications on properties more than 20 years old. Private insurers set their own thresholds, which TSC won't guess at here — your agent can confirm your specific carrier's requirement.
How is this different from a roof certification?
A roof certification is narrower and roof-only: it documents how many years of useful life the roof has left, which is what insurers use to decide on roof-age policy questions under Florida law. A 4-point inspection is broader — it covers the roof plus three other systems, and it's usually what's required for eligibility on an older home generally, not just for a roof-age question.
What happens after the inspection?
The inspector completes your insurer's 4-point form and documents the condition of each system. If something needs attention, you'll know exactly what before it becomes a reason to deny or drop coverage. Pricing and typical report turnaround aren't published here yet — call for current numbers.
Common questions
I already have a roof certification. Do I still need a 4-point inspection?
Usually yes, if your insurer requires one. A roof certification only documents the roof's remaining useful life; a 4-point inspection separately covers electrical, plumbing, and HVAC. They answer different questions for the insurer and often get requested together on an older home.
What happens if the inspection finds a problem?
The inspector documents it on the form your insurer receives. Depending on what's found, the insurer may ask for repairs before issuing or renewing coverage. TSC is licensed to make roofing and general-contracting repairs directly, so the same visit can identify the fix.
Want the roof-age rules that apply once your roof turns 15? Read the roof age & insurance guide →
Sources
- Four-Point Inspection Requirements, Citizens Property Insurance Corporation — accessed August 26, 2026.
Ready to schedule your 4-point inspection?
One licensed inspector, four systems, one visit — and if something needs fixing, TSC can do that too.