4-point inspection in Miami
Roof, electrical, plumbing and air conditioning, documented with photos on the form Florida insurers ask for. Usually done on the same visit as a home inspection.
At a glance
What a 4-point inspection is
A 4-point inspection is a short, focused inspection of the four systems insurers worry about most in an older home: the roof, the electrical system, the plumbing and the heating and air conditioning. Many Florida insurers ask for one before they will write or renew a policy on an older house; the age that triggers it depends on the insurer.
The four points we check
- Roof: covering type, age, visible condition, signs of leaks
- Electrical: panel and breakers, wiring type, signs of overheating or hazards
- Plumbing: supply and drain piping, water heater, fixtures and visible leaks
- HVAC: system age, condition and whether it’s working
Why a 4-point inspection in Miami matters
A problem on a 4-point can mean an insurer declines the policy or asks for repairs first. Finding out early gives you time to fix it or to negotiate with the seller. We photograph each item so the underwriter has what they need, and we’ll explain anything that might be flagged.
Buying? Do it with the home inspection
If you’re buying, we can complete the 4-point on the same visit as your full home inspection, along with a wind mitigation report, so your agent and insurer have the forms well before closing.
Plumbing and electrical, up close
Two of the four points. Leaks and overheating breakers are what insurers look for first.
What we look at
What clients say
[Top Property Inspections] just did our 4-point and Wind Mitigation inspection for our house. Great service and highly recommended.
…a very professional packet for our wind mitigation & 4 point inspection. The pictures were wonderful.
The reports were detailed and worked perfectly with the 3rd parties that required them. I definitely recommend [their] services.
4-point inspection: common questions
Usually owners or buyers of older homes whose insurer requests one. Ask your insurance agent; they’ll tell you if it’s required and which form they accept.
No. A 4-point covers four systems for an insurer. A home inspection covers the whole house for you as the buyer. Many buyers get both on the same visit.
Within 24 hours of the inspection, by email, with photos.
We’ll tell you on site. You can repair it and have it re-checked, or talk to your insurer about options.
Other inspections
We inspect across Miami-Dade, Broward, Palm Beach and the Florida Keys.
Book your 4-point inspection.
Send the basics and we’ll call or text you back with a time and a quote. In a hurry? Call (786) 376-4358.
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Open 7 AM–7 PM, 7 days a week.