4 Point Inspection

A 4-point inspection is an examination of the current condition of a house reviewing four major systems: roofing, electrical, plumbing and HVAC (Heating, ventilation, and air conditioning).

This specific inspection might be requested by homeowners insurance companies before someone can renew or be eligible for their desired coverage plan, especially on a home that is more than 15 years old. It allows insurers to determine how much risk they would take by offering you a home insurance policy and how much to charge you.

The starting price for our 4 point inspection is $250. The price varies based on the size and the location of the property. In this industry, you get what you pay for. Inspections performed by an experienced and licensed home inspector will cost more. Inspections performed by non licensed individuals and newer inspection companies with less experience will be cheaper. It all comes down to knowledge and expertise. Florida Wisdom Home Inspections specializes in insurance inspections. We have years of experience and provide support before, during, and after the inspection. We will take the time to explain how the result of the inspection will affect your home's insurability, and we will help you in making repairs until your home is fully insurable.

Not all insurance carrier requires this inspection. However, if you purchase an older home it might be needed. Ask your homeowner's insurance agent prior to closing. It is always a good idea to perform the 4 point inspection in conjunction with your homebuyer inspection.

No. This inspection simply determines whether an insurance company will offer insurance on your home. A wind mitigation inspection report is what helps reduce the cost of homeowner's insurance.

Yes, absolutely! However, the 4 point inspection is not an inspection of all components of the home and does not determine the overall condition of a property. That document is really limited and is for insurance purposes only. If you are interested in knowing the condition of a property prior to purchase, we suggest booking a homebuyer inspection as well.

Yes and no. There are insurance companies that will offer insurance, but they might exclude coverage for the problematic system(s). Often, the only way to get insurance on a home with problematic systems is to accept damage exclusion. Other times, you might not be able to purchase homeowners insurance until necessary repairs have been made. Don't worry, we are here for you. We will help and guide you during repairs, until your home is fully insurable.

Since this type of inspection helps homebuyers determine if the prospective property is insurable "as is", providing this report to an insurance agent PIOR TO CLOSING is crucial. A house might fail a 4-point inspection for defects such as leaking water pipes or damaged roof covering material. If you're not interested in making the repairs yourself, you may ask the seller to make repairs or request a reduction of the sale price to hire a professional. This report is an excellent negotiation tool, especially if the property cannot be insured nor be purchased until repairs have been performed.

You can provide the homebuyer inspection report in lieu of a 4 point report to your insurance agent. However, we strongly recommend that you don't do this, since it might negatively affect their decision in regards to insuring your property. It is better to provide a 4 point form rather than the entire homebuyer inspection report. Often, the homebuyer report will list other major issues, so sending this instead may result in making your property "non-insurable". The 4 point form is specific to what insurance companies need to know. Both reports are completely different.

Yes, in some cases you may have to. For example, after performing the four-point inspection (insurance inspection), if any of your home's system are "unsatisfactory", you may have to perform repairs before your home can be insured. Therefore, once repairs have been completed, the inspector can re-inspect the previous defective items and take new pictures OR you can provide repair pictures and invoices by email as proof of repairs. Once we have received appropriate documentation and pictures, we will modify your report to reflect those corrections.

We are servicing Martin, Palm Beach, and Broward Counties.