When does Florida require a 4-point inspection?

Most carriers require one to bind or renew a policy on homes roughly 25 years or older. Some ask sooner, especially if the roof is over 15 years old.

What fails a 4-point inspection?

The usual causes are an aged or damaged roof, polybutylene or galvanized supply plumbing, active leaks, Federal Pacific or Zinsco panels, knob-and-tube or aluminum branch wiring, and an HVAC system past its service life.

How much does a 4-point inspection cost?

Typically $100 to $175 as a stand-alone in South Florida, and less when bundled with a wind mitigation or full home inspection on the same visit.

How long is a 4-point inspection good for?

Most Florida carriers accept a 4-point that is under 12 months old, though some want it dated within 90 days. Check with your agent before ordering.

Insurance Report

4-Point Inspection — Florida

Florida insurers require a 4-point inspection on most homes 25+ years old before they'll write or renew a policy. The report documents the condition and remaining useful life of the four systems most likely to cause a claim: roof, electrical, plumbing, and HVAC. Primetime delivers the standard insurer-accepted form, filled out cleanly so your carrier isn't left guessing.

What we inspect

Roof: material, age, remaining life, visible damage
Electrical: panel brand & amperage, wiring type, hazards (double taps, aluminum branch wiring, recalled panels)
Plumbing: supply material (copper, PEX, polybutylene, CPVC), drain material, water heater age
HVAC: system age, type, condition, and any deferred maintenance

When to order it

Buying a home 25+ years old
Insurance renewal request
Switching carriers
New homeowner insurance policy quote

What to expect on inspection day

Access we need

Electrical panel, water heater, attic hatch, and HVAC air handler. 45–90 minutes on site.

What we document

Panel brand & amperage, wiring type, roof material & age, plumbing supply/drain material, HVAC age and condition — on the standard insurer form.

Turnaround

Signed form delivered same day or next morning. Emailed directly to you (and your agent/carrier on request).

4-Point vs. Full Home Inspection

Both matter — they answer different questions. A 4-point is for your insurer. A full home inspection is for you.

Feature	4-Point Inspection	Full Home Inspection
Who it's for	Insurance carrier	The buyer/owner
Scope	Roof, electrical, plumbing, HVAC only	Every accessible system, top to bottom
Time on site	45–90 minutes	2–4 hours
Typical price	$100–$175	$350–$650
Required for	Homes 25+ yrs old at policy bind/renewal	Any home purchase (recommended)
Report format	Standard insurer form	Full illustrated PDF with photos

Frequently asked questions

When does Florida require a 4-point inspection?: Most carriers require one to bind or renew a policy on homes roughly 25 years or older. Some ask sooner, especially if the roof is over 15 years old.
What fails a 4-point inspection?: The usual causes are an aged or damaged roof, polybutylene or galvanized supply plumbing, active leaks, Federal Pacific or Zinsco panels, knob-and-tube or aluminum branch wiring, and an HVAC system past its service life.
How much does a 4-point inspection cost?: Typically $100 to $175 as a stand-alone in South Florida, and less when bundled with a wind mitigation or full home inspection on the same visit.
How long is a 4-point inspection good for?: Most Florida carriers accept a 4-point that is under 12 months old, though some want it dated within 90 days. Check with your agent before ordering.

Available across South Florida

Miami Fort Lauderdale West Palm Beach Key West Homestead Hialeah Coral Gables Kendall Doral Miami Beach Hollywood Pembroke Pines Boca Raton Delray Beach Key Largo Marathon