If your home is more than 20 years old, your insurance company will likely require a four point inspection before approving or renewing your coverage. At FL-GA Home Inspections, we handle 4 point inspection reports for homeowners and property owners across Florida and South Georgia — reports that meet carrier requirements and get processed without back-and-forth.
A four point home inspection is one of the most commonly requested homeowners insurance inspection documents in Florida. Carriers need documentation of a home's major systems before they'll issue a policy on an older property — it's not optional, and an incomplete or non-compliant report can delay your closing or renewal. Whether you're buying, renewing, or switching carriers, getting a proper four point inspection Florida report upfront saves a lot of headaches. For anyone shopping for coverage on an older home, a four point inspection Florida filing is typically the first thing an agent will ask for — and a current insurance inspection Florida report is what satisfies that requirement.
Our licensed inspector has held Home Inspector License HI10643 since 2008 and has a background in contracting, which means he can evaluate what he's looking at — not just document it. Reports are typically delivered the same day.
What Is a 4 Point Inspection?
A 4 point inspection covers the four systems Florida insurers focus on when evaluating older homes: roof, plumbing, electrical, and HVAC. It's not the same as a full pre-purchase home inspection, which goes through every accessible component of a property. A four point home inspection is narrower by design: it gives the insurer what they need to make an underwriting decision, nothing more.
The four systems covered are:
- Roof: covering type, age, condition, visible damage, and estimated remaining life
- Plumbing: supply lines, drain systems, water heater, and any visible leaks
- Electrical: panel condition, wiring type, grounding, and safety concerns
- HVAC: equipment age, operating condition, and ductwork
For homes built before the early 2000s, a 4 point inspection Florida is essentially a routine part of the insurance process. Most carriers won't issue a policy without one. If you're searching for a 4 point inspection Florida provider or need help understanding what your carrier requires, we can walk you through it when you call.
Why Insurance Companies Require a Four Point Home Inspection
Older homes have older systems, and insurance companies want to know what they're covering. A homeowners insurance inspection gives carriers the documentation they need to assess risk before issuing a policy. Without one, you're likely to run into:
- Coverage delays that leave your home uninsured during closing or at renewal
- Higher premiums if your systems aren't documented and the carrier has to assume the worst
- Outright policy denial if the carrier finds no record of the home's current condition
Citizens insurance inspection requirements are a common reason Florida homeowners need a four-point. Citizens Property Insurance Corporation — the state-backed insurer of last resort — requires a four-point inspection for homes more than 20 years old before they'll bind coverage. Other carriers have their own age thresholds, but the requirement is common across most of the Florida market.
A four point inspection Florida report submitted to your carrier is the formal, photo-documented record that satisfies these requirements. Having a current insurance inspection Florida report on file means your agent can move forward without delays. FL-GA Home Inspections turns these reports around the same day in most cases.
Here's a breakdown of what our inspector looks at during a four point inspection:
Roof
- Covering type (shingle, tile, metal, or other)
- Age, condition, visible damage, and any history of leaks
- Estimated remaining life expectancy
- Evidence of prior repairs or patching
The roof tends to get the most attention during a four-point — it's where insurers see the most risk on older properties. If your inspector flags the roof or the carrier needs more detail, an aerial roof inspection can provide additional documentation.
Plumbing
- Supply line materials and any visible leaks
- Drain system and water heater condition
- Corrosion, backups, or signs of prior repairs
One thing insurers regularly flag in older Florida homes is polybutylene plumbing — a grey plastic pipe used in residential construction from the 1970s through the mid-1990s that tends to become brittle and fail with age. If your home has polybutylene plumbing, many carriers will require replacement before issuing coverage, so it's worth knowing before you apply.
Electrical
- Main service panel and any subpanels
- Wiring type — copper, aluminum, knob-and-tube, or other
- Grounding and bonding
- Any visible safety concerns
Knob and tube wiring is found in homes built before the 1950s. It lacks a ground wire and can be a fire risk when it's been modified or is in poor condition. Insurers frequently decline coverage or add exclusions when knob and tube wiring is present, so identifying it early matters.
HVAC
- Age and working condition of heating and cooling equipment
- Ductwork condition
- Visible damage or deferred maintenance
Every system is photographed and documented in the report, which is formatted to meet homeowners insurance inspection submission requirements.
Our 4 Point Inspection Process
1. Schedule: Call or contact us online.
2. We show up on time: No vague arrival windows.
3. We inspect all four systems: Roof, plumbing, electrical, HVAC.
4. You get your report the same day: Usually within a few hours.
5. Submit to your carrier: The report is formatted for direct submission.
Why Choose FL-GA Home Inspections?
A four-point inspection is only as useful as the report it produces. If the photos are missing, the form is outdated, or the inspector isn't licensed in Florida, your carrier can reject the report outright and you're back to square one. Here's what sets FL-GA Home Inspections apart:
- Licensed Home Inspector (HI10643) & Licensed Contractor Since 2008 Jim Adams holds an active Florida Home Inspector license and has been a licensed contractor since 2008. That construction background matters — it means he understands what he's looking at beyond the checklist. When a roof has been patched, a panel has been modified, or a plumbing system has been partially re-piped, he can read the full picture and document it accurately.
- Family-Owned & Operated FL-GA Home Inspections is independently owned and operated — no franchise, no call center, no hand-off to a subcontractor you've never met. When you book, you know who's showing up.
- Same-Day Reports Most reports are delivered within hours of the inspection. That matters when you're up against a policy deadline, a closing date, or a carrier that's waiting on documentation before binding coverage.
- Accepted by Local Carriers and Agents Our reports are consistently accepted by Florida insurance carriers, including Citizens, without requests for additional documentation or re-inspection. Local insurance agents and real estate agents refer clients to us because our reports don't create problems down the line.
- 4.6-Star Google Rating Across 20+ Reviews Our reputation comes from homeowners, agents, and property managers who've used us more than once. A 4.6-star average across 20+ Google reviews reflects consistent, repeat performance — not a single good experience.
- Serving North Florida and South Georgia Since 2008 We know this region. The housing stock, the common system issues, and what Florida carriers are focused on right now. That local knowledge shows up in reports that are detailed where it counts and don't flag things that aren't actual concerns.
Read more about our background on our About page.
⭐ What Homeowners Are Saying
"5 stars for 5-star service!! I have a customer that was in need of both a 4 point and wind mitigation inspection. I called and spoke with Jim. In addition to their rates being very fair, he was at their home 8:30am the next morning!! Had the report 6 hours later. If you expect better service, you are not realistic! This is a 5-star operation and will absolutely be my go-to for service in this area."
— AJ G. ⭐⭐⭐⭐⭐ (Google Review)
"Mr. Adams is a thorough professional. He is responsive to messages and phone calls, and shows up at the inspection site quickly. His knowledge base is extensive. Mr. Adams is a rare bird—a fairly priced, honest man."
— Laura K. ⭐⭐⭐⭐⭐ (Google Review)
Four Point Inspection Near Me: Where We Serve
If you're looking for a four point inspection near me in North Florida or South Georgia, we cover the area. We're familiar with the types of homes in this region — older crawl-space construction in Live Oak, storm wear on roofs in Lake City, aging systems in rural properties near Valdosta — and we know what carriers flag locally.
We also handle other inspection types for properties that need them, including crawl space drone inspections and mobile home tie-down inspections. Rental property owners searching for a 4 point inspection near me that also covers short-term rental compliance can ask about our Airbnb & short-term rental inspections.
Whether you've been Googling four point inspection near me in Lake City, or need a 4 point inspection near me on a rental property in Valdosta, we serve all of these markets with the same same-day reporting standard. We're also one of the few local providers who can pair a four point inspection near me appointment with a wind mitigation inspection on the same visit, saving you a separate trip.
We serve:
Frequently Asked Questions
Have more questions? Visit ourFAQ page or read through the answers below.
Ready to Schedule Your Inspection?
If you need a four point inspection for an upcoming renewal, a new policy, or a home purchase, give us a call or book online. We serve Lake City FL, Live Oak FL, Tallahassee FL, Valdosta GA, and surrounding areas.
📧 info@flgahomeinspections.com