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Four (4) Point Inspection Services

Four Point Inspection Sarasota

A Four (4) Point Inspection is typically required when renewing or acquiring a new homeowner’s insurance policy. The Four (4) Point Inspection requirements will differ based on the insurance carrier. A four-point inspection in Sarasota assesses the 4 primary systems of a home to help insurance companies determine the overall condition of your Sarasota home.

A four-point inspection assesses the four basic systems of a home:

  • Roof

  • Electrical

  • Heating/Air conditioning system (HVAC)

  • Plumbing

The inspection will help insurance companies estimate the condition, remaining lifespan, and quality of these systems. Although the 4-point inspection in Sarasota is generally limited to a visual assessment, insurance companies are looking to identify any problems or concerning issues regarding the main four systems.

Before issuing or renewing a home insurance policy, an insurance company will want to better understand the condition of your Sarasota home or property.

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Sarasota Four-Point Inspection Requirements

It was property damage caused by Hurricane Andrew (1992) that elicited Florida insurance companies to encourage their policyholders to take measures to reinforce and make their homes safer in hopes of reducing future home insurance claims. In Sarasota and Florida, the majority of insurance companies require Four (4) point inspections for homes or dwellings that are 30 years or older.
As of September 1, 2018, those looking to receive or renew a Home Insurance policy with Citizens Insurance must complete a Four (4) point Inspection when or if one of the following criteria is met:
  • The property or home is over 30 years old (New business only).
  • Nearby sinkhole activity, investigation, or knowledge of repairs, whether Sinkhole Loss Coverage is requested or not (does not apply to mobile homes).
  • Sinkhole loss/repair documentation is incomplete or unavailable.
  • The prior coverage was lender-placed
*It is important to note that this Sarasota 4-point inspection does replace a home inspection. In order to have a 4-point inspection accepted, all forms used for the inspection must be signed, completed, and dated by a verified Florida-licensed professional.
Examples include:
• A general, residential, or building contractor
• A building code inspector
• A home inspector

Frequently Asked Questions

What is Included in a 4-Point inspection in Sarasota?

A home inspector completing a 4-point inspection in Sarasota will assess the condition of a home’s major systems or components to meet the requirements of your home insurance provider. During the ins[ection, the inspector will be able to identify any conditions or concerns about the four systems that may hinder your ability to acquire a home insurance policy.

Roof Inspection

Most insurance companies require the roof to have at least an additional 3-5 years of life expectancy remaining. Indications of roof damage, including leaks, repairs, or deteriorated materials, are noted within the report.

Electrical System Inspection

Home insurance companies want to understand the condition and specifics of a home’s electrical system, including the wiring, electrical panel, circuit breakers, and condition of mast.

HVAC Inspection (Heating, Ventilation, and Air Conditioning)

A four-point inspection will assess the condition, make, model, and year of exterior and interior air conditioning or heating units.

Plumbing Inspection

Some types of plumbing materials may be considered red flags by insurance agencies—materials such as deteriorated cast iron and polybutylene. Plumbing supply lines, fixtures, and any visible leaks are also reported within the Sarasota four-point inspection report.

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