The International Association of Certified Home Inspections (NACHI) provides a universal four-point inspection form, but using this form isn’t required by law. There is a basic outline of what’s covered under a four-point inspection however, each insurance agency has its own set of rules regarding who needs an inspection. This practice is most common in Florida and other coastal states. If you own an older home and are up for renewal on your homeowners insurance in Florida, or you’re purchasing an older home, chances are you will be asked to submit a four-point inspection as part of the underwriting process. Is a 4-point inspection required in Florida? As a homeowner, you sometimes must provide the right professional inspection report for your property to meet the requirements of getting your house insured. If your home insurance company says you have to have an inspection, be sure to ask specifically what type of inspection you need. You should note that a four-point inspection cannot replace a new home inspection. The fixes may be necessary to obtain insurance. If a home fails all or part of the inspection, the inspector will go over what needs to be fixed or replaced to alleviate deficiencies. Heating, ventilation, and air conditioning (HVAC).įour-point inspections identify key areas that most commonly result in insurance claims.During a four-point inspection, an inspector evaluates how up-to-date four key systems are in your home, namely your: Homeowners who have older homes may need a four-point inspection before they can get home insurance. Who needs a 4-point inspection in Florida? This inspection is common for older homes, but it’s quick and may open up more home insurance options for you.

The four major systems are your roof, electrical, plumbing, and HVAC systems. A four-point inspection is a home inspection that looks at the four major systems of your home and assesses it for risk.

4 point home inspection form