A 4-point inspection is a limited inspection of a home's roof, electrical system, plumbing and HVAC, used by Florida insurance companies to decide whether to write or renew a homeowners policy on an older home.
Why insurers ask for it
The four systems it covers are the ones most associated with fire and water claims. On an older home, the insurer wants to know what has been updated and what is original before taking on the risk.
Who needs one
Requirements vary by insurer, but older homes, commonly around 25 to 30 years old and up, are the usual trigger. Your insurance agent will tell you if one is required and by when.
Common problem items
- A roof near the end of its life, or showing active leaks
- Federal Pacific, Zinsco and certain other panels
- Aluminum branch wiring, cloth wiring, or knob-and-tube
- Polybutylene supply lines
- Water heater installation issues
What it isn't
A 4-point inspection is not a home inspection. It does not look at the structure, foundation, exterior, interior or appliances. Buyers should still get a full home inspection.
Related services
Written by Anthony Preston, Florida licensed home inspector HI18992. Updated October 2026.
More resources
- What Does a Home Inspection Cover?
- How Much Does a Home Inspection Cost in Tampa Bay?
- What Is a Wind Mitigation Inspection?
- Should You Get a Home Inspection on New Construction?
- What Happens After a Home Inspection?
- 4-Point Inspection vs. Full Home Inspection
- Inspecting Older Florida Homes: What to Watch For