Four-Point Inspections in Dunnellon and Citrus County, FL

Florida insurance companies may request a four-point inspection before issuing or renewing a homeowners policy, particularly for an older home. This focused inspection documents the visible condition and key details of four major areas: the roof, electrical system, plumbing system, and HVAC system.

HomeTeam Inspection Service provides four-point inspections in Dunnellon and throughout Citrus County. We prepare the required report and supporting photographs so you can submit the documentation to your insurance agent or carrier.

What Does a Four-Point Inspection Cover?

The inspection focuses on:

1. Roof: Covering material, approximate age, visible condition, and signs of active leakage or deterioration.
2. Electrical: Main service, panels, wiring types, and visible conditions that may present insurance concerns.
3. Plumbing: Supply and drain materials, water heater, visible leaks, and accessible plumbing conditions.
4. HVAC: Heating and cooling equipment, approximate age, and visible operating condition.

A four-point inspection is narrower than a full home inspection. It is designed primarily for insurance underwriting and does not evaluate every system or component in the home.

Do I Need a Four-Point Inspection in Florida?

Requirements vary by insurance company, policy, and property. Your insurance agent or carrier can tell you whether a report is required and whether it must be completed on a specific form. Because underwriting guidelines can change, scheduling early can give you time to address documentation requests or recommended repairs.

Frequently Asked Questions

Does passing a four-point inspection guarantee coverage?
No. The insurance company—not the inspector—decides whether to issue coverage and under what terms.

Is this the same as a wind mitigation inspection?
No. A four-point report documents four primary systems, while a wind mitigation inspection documents construction features that may reduce wind damage and could qualify for insurance credits.

Can I order a four-point inspection with a home inspection?
Yes. Buyers often coordinate both services during the same appointment when insurance documentation is needed.

Can a four-point inspection report be transferred to another buyer or homeowner?

No. A four-point inspection report is completed for a specific property address and the client or buyer for whom the inspection was performed. It should not be transferred to or reused by another person. A new buyer or owner should obtain a report issued in their own name and confirm the insurance provider’s current requirements.

Can I use the seller’s existing four-point inspection report?

A seller’s report may provide helpful background information, but it was prepared for another client and should not be treated as transferable. Buyers should schedule their own four-point inspection and obtain a report issued in their name. The insurance company ultimately determines whether it will accept a particular report.

Schedule a Four-Point Inspection

Call 352-306-3064 or schedule a four-point inspection in Dunnellon or Citrus County online.