What is a 4 Point Inspection?
The 4 Point Inspection is the verification of the home's four main systems (electrical, air conditioning, plumbing and roof) submitted in a form to properly evaluate an application for insurance. 4 Point Inspections must be completed and signed by a verifiable inspector.
All Home Meters (AHM): Professional Engineers Home Inspectors performing residential and commercial Four Point Inspections in South Florida.
Which properties need this 4 Point Inspection and Why?
- Real Estate properties older than 30 years are more vulnerable to loss if systems have not been updated.
- If the home is an older home, the insurance company want to see that the systems have been updated.
- The insurance companies are looking for the four systems to be in generally good working condition and fulfilling their intended function and expecting the systems to be working as intended within the manufacturer’s specifications.
What do insurance inspectors look for?
They look for the minimum data needed for Underwriting:
- Current operating conditions.
- The expected service life.
- Scheduled maintenance requirements.
"Acceptable Condition" means that each system is working as intended and there are no visible hazards or deficiencies.
This Home Inspection needs to be completed within the last year by an approved certified inspector (Engineer).
If this Home Inspection indicates unacceptable conditions, the policy is not eligible for coverage.
The licensed professional is required to certify the condition of the four major systems in this type of Inspection.
Who can sign off this Real Estate Home Inspection?
The following licensed professionals can complete this Home Inspection in its entirety:
- A Professional Engineer.
- A general, residential, or building contractor.
- A building code inspector.
- A registered architect.
- A home inspector.
- A building code official who is authorized by the State of Florida to verify building code compliance.
A trade contractor may sign off only on their trade component of the certified Residential or Commercial Inspection report.
What Inspection Form do we use?
⦁ There is no industry wide standard form for this type of Home Inspection.
⦁ Some Insurance companies provide their own inspection report - insurance mitigation report; however, most insurance companies will accept forms from companies that perform inspections provided that they are filled out by qualified individuals.
⦁ We use a variance of the Citizens Insurance Company Four Point Inspection Form.
⦁ Our Citizens Inspection Form has been modified to show more possible hazards in the electrical part.
Which are the minimum photo requirements?
⦁ Front elevation.
⦁ Rear elevation.
⦁ Open main electrical panel and interior door.
⦁ HVAC (heating, ventilation and air conditioning) system (with dated manufacturer’s plate).
⦁ All hazards or deficiencies noted.
Photos must accompany each Inspection report submitted.
How much does the inspection cost?
This Home Inspection is $120 and we can include a Wind Mitigation Inspection for $60 in the same order.
Re-inspection fee is $90.
What is our service area?
4 Point Inspection in Hialeah, Doral, Homestead, Kendall, Fort Lauderdale by the Sea, Kendale Lakes, The Hammocks, Sunny Isles, Hallandale, Davie, Deerfield Beach, Pompano Beach, , Dania Beach, Tamarac, Coral Springs, Deerfield Beach, Margate, Sunrise, Plantation, Palmetto Bay, Cutler Bay, Pinecrest, Aventura, Shores, Surfside, Sweetwater, Opa-Locka, Westchester, Bal Harbour, Bay Harbor Islands, Indian Creek Village, Springs, Shores, Medley, Key Biscayne Park, El Portal.