Coastal Inspection Pros
(239) 238-4322
Naples, FL
Mon-Sat: 8AM-7PM Sunday by appointment
4 Point Inspections: What Are They and Why Do I Need One?
If you're new to Florida or have recently purchased or built a home, you may not be familiar with a 4-Point Inspection—and that’s okay! We're here to walk you through it.
When buying a home, renewing an insurance policy, or shopping for better insurance rates, your insurance agent may request a 4-Point Inspection—especially if the home is 20 years old or older.
What Is a 4-Point Inspection? A 4-Point Inspection is a limited inspection requested by insurance carriers to assess the age, condition, and life expectancy of the home's four most critical systems:
The 4 Points We Inspect:
A 4-Point Inspection gives your insurance provider the information they need to evaluate risk and determine coverage eligibility for older homes.
At Coastal Inspection Pros, we make the process easy and efficient—providing clear reports, fast turnaround, and friendly guidance every step of the way.
When buying a home, renewing an insurance policy, or shopping for better insurance rates, your insurance agent may request a 4-Point Inspection—especially if the home is 20 years old or older.
What Is a 4-Point Inspection? A 4-Point Inspection is a limited inspection requested by insurance carriers to assess the age, condition, and life expectancy of the home's four most critical systems:
The 4 Points We Inspect:
- Roof – Type, condition, estimated remaining life, and signs of damage or wear
- Electrical System – Panel type, wiring, breakers, and overall safety
- Plumbing System – Pipe materials, age, condition, and presence of known risk materials (e.g., polybutylene)
- HVAC (Heating & Cooling) – Age, condition, and functionality of the heating and air conditioning systems
A 4-Point Inspection gives your insurance provider the information they need to evaluate risk and determine coverage eligibility for older homes.
At Coastal Inspection Pros, we make the process easy and efficient—providing clear reports, fast turnaround, and friendly guidance every step of the way.
Within the 4 areas inspected, the inspector documents any damage or deficiencies present, the brand/model, age of the system, and life expectancy. Each 4 Point Inspection will include color photographs of all areas inspected. Have any questions about these inspections, or anything insurance related? Be sure to call us today!