What is a 4-point inspection in Florida?
Short Answer
A 4-point looks at roof, electrical, HVAC, and plumbing. Carriers often want it on older houses before they bind a policy. It is not the same as a full home inspection. Confirm what your carrier needs on the house.
What is a 4-point inspection in Florida?
A 4-point looks at four systems: roof, electrical, HVAC, and plumbing. Florida carriers often want that form on older houses before they bind a homeowners policy. It is not a full home inspection. It is not a wind mitigation form. It is not an appraisal.
Confirm what your carrier needs on that year built. I can help you sequence the reports. I do not write the policy.
What this looks like in Pinellas
Many mid-century Clearwater, Largo, and St. Petersburg houses trigger a 4-point because of roof age or an older electrical panel. Coastal files often need wind mitigation in the same week. A condo may follow association master policy rules instead of a house-style 4-point. Read the building, not a statewide meme.
Step-by-step
- Ask the carrier which forms they need and how recent the forms must be.
- Hire an inspector the carrier will accept.
- Keep the full home inspection on the calendar for your own due diligence.
- Send the 4-point to the insurance agent as soon as it lands.
- Put the bindable premium on the loan file I originate through PMF, Inc.
4-point versus other reports
| Report | Systems | Typical audience |
|---|---|---|
| 4-point | Roof, electric, HVAC, plumbing | Carrier |
| Wind mitigation | Wind-resistive features | Carrier |
| Home inspection | Broader condition | Buyer |
| Appraisal | Value for the lender | Lender |
What you control versus what you do not
You control when you order the form. You do not control whether the carrier accepts a seller's old PDF. You do not control a panel the inspector flags.
Common mistakes
Skipping the full inspection because a 4-point exists. Waiting until underwriting week. Assuming FHA replaces the carrier form.
Next step
Book a consultation. Equal Housing Opportunity applies. Consumer education, not insurance advice.
Jonathan Loescher, SL3546365 and NMLS 2621894. Realty of America. PMF, Inc. 29399 US Highway 19 Suite 150, Clearwater, FL 33761. (727) 729-2961.