Guide
4-Point vs Full Home Inspection in Florida
South Florida homeowners run into both terms — often at the same time. Here's the plain-English breakdown of what each inspection covers, which one Florida insurers require, and when you actually need both.
4-Point Inspection
A short insurance-focused inspection of four systems: roof, electrical, plumbing, and HVAC. Florida insurers require it on homes 25+ years old before writing or renewing a policy.
Full Home Inspection
A top-to-bottom evaluation of the entire property — structure, systems, safety, and code issues. This is the one you want before closing on a home in South Florida.
Side-by-side comparison
| Feature | 4-Point | Full Home |
|---|---|---|
| Primary purpose | Insurance requirement (older homes) | Protect the buyer before closing |
| Who it's for | Homeowners renewing/getting insurance on homes 25+ years old | Home buyers — any age of home |
| Systems covered | Roof, electrical, plumbing, HVAC only | Structure, roof, attic, electrical, plumbing, HVAC, exterior, drainage, appliances, safety |
| Time on-site | 45–90 minutes | 2–4 hours |
| Typical cost | $100–$175 | $350–$650 |
| Deliverable | Signed insurance form + summary | Full illustrated PDF report within 24 hours |
| Required by lender? | No — required by insurer | Often recommended; sometimes required |
When to get both
- You're buying a home 25+ years old — the full inspection protects the purchase, the 4-point unlocks insurance.
- You're refinancing an older Miami home and the lender or insurer flagged coverage requirements.
- You want the wind mitigation discount at the same time — most South Florida homeowners bundle all three.
Florida FAQ
Do I need a 4-point or a full home inspection in Miami?+
If you're buying a home in Miami or anywhere in South Florida, get a full home inspection — it protects your purchase. If your insurer is asking for one (usually on homes 25+ years old), you'll also need a 4-point. Most South Florida homeowners end up needing both.
Can a 4-point inspection replace a full home inspection?+
No. A 4-point is an insurance document covering only roof, electrical, plumbing, and HVAC. It won't catch structural, drainage, or code issues that a full inspection uncovers.
How much does each inspection cost in South Florida?+
Full home inspections typically run $350–$650 depending on size and age. 4-point inspections are $100–$175, and are often bundled with a wind mitigation report at a discount.
Which inspection do Florida insurers require?+
Insurers require a 4-point inspection (and usually a wind mitigation report) on homes 25+ years old before issuing or renewing a policy. A full home inspection is not a substitute.
Not sure which one you need?
Call 786-426-4680 — we'll tell you straight, no upsell.