Four-Point Inspections for Insurance Compliance

If your home is more than 20 years old, there’s a good chance your insurance company will require a Four-Point Inspection before approving coverage. At FL-GA Home Inspections, we specialize in delivering fast, affordable, and accurate Four-Point reports that meet insurance requirements in Florida and South Georgia.


With nearly two decades of inspection and contracting experience, plus advanced reporting tools, we make it easy to get your policy approved and your home protected.

What Is a Four-Point Inspection?

Unlike a full pre-purchase home inspection, which examines every aspect of a property, a Four-Point Inspection focuses on the four critical systems insurers care about most:


  • Roof — condition, leaks, material, and estimated lifespan.

  • Plumbing — supply lines, water heaters, visible leaks, and drain systems.

  • Electrical — service panels, wiring type, hazards, and safety.

  • HVAC — heating and cooling systems, functionality, and age.

This streamlined inspection gives insurance companies the details they need to assess risk while keeping the process quick and affordable for homeowners.

worker doing inspection outside of house

Why Insurance Companies Require It

Insurance carriers know that older homes can pose higher risks. A Four-Point Inspection provides the documentation they need to issue or renew a policy. Without one, you could face:


  • Delays in coverage that leave you uninsured.

  • Higher premiums if your systems aren’t documented properly.

  • Policy denial if key risk areas aren’t addressed.

With a Four-Point Inspection from FL-GA, you’ll have everything you need to stay insured and compliant.

💬 “5 stars for 5-star service!! … 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.” – AJ Gintoli (Google Review)

During your Four-Point Inspection, our licensed inspector evaluates:


Roof

  • Type of roof covering (shingle, tile, metal)
  • Age, condition, leaks, and visible damage
  • Estimated life expectancy

Plumbing

  • Visible leaks, water pressure, and supply line materials
  • Drainage systems and water heater condition
  • Signs of corrosion, backups, or prior repairs

Electrical

  • Main service panel and subpanels
  • Wiring type (copper, aluminum, knob-and-tube, etc.)
  • Proper grounding and safety hazards

HVAC

  • Heating and cooling equipment
  • Age and operational status
  • Ductwork condition and energy efficiency

Each system is documented with photos and detailed notes, making it easy to submit to your insurance provider.


We keep the process quick, simple, and stress-free:


  1. Schedule your inspection — Call or book online.
  2. On-time arrival — Our inspector shows up when promised.
  3. Efficient evaluation — We check all four systems thoroughly.
  4. Fast turnaround — Most reports delivered the same day.
  5. Insurance-ready results — Submit directly to your carrier with confidence.

💬 “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.” – Laura Kessler (Google Review)


Not every inspector understands what insurers need. That’s where we stand out:


  • Licensed Home Inspector (HI10643) & Licensed Contractor Since 2008
  • Family-Owned & Operated — We value honesty, speed, and accuracy.
  • Fast Turnaround — Reports often delivered within hours.
  • Proven Reputation — ⭐ 4.6 Google rating across 20+ reviews.
  • Trusted by Realtors & Insurance Agents — Our reports are known and respected locally.

When your coverage depends on a Four-Point, don’t risk delays — choose an inspector with experience on both the inspection and construction side.


Local Advantage

Our inspections are tailored for North Florida and South Georgia homes. We know the common risk factors insurers look for in this region, from older crawl-space foundations in Live Oak to storm-damaged roofs in Lake City.


We proudly serve:


Four-Point vs. Other Inspections


Four-Point vs. Pre-Purchase
A Four-Point is for insurance and covers only four systems. A Pre-Purchase Home Inspection is full-scope and best for buyers.


Four-Point + Wind Mitigation
Want to save money on your premiums? Many homeowners book a Four-Point with a Wind Mitigation Inspection to maximize insurance discounts.

Frequently Asked Questions

Got a question? We’re here to help.

  • How long does a Four-Point Inspection take?

    Usually 1–2 hours depending on the size of the home.

  • How quickly will I get my report?

    Most reports are delivered the same day — often within hours.

  • Do I need to be present for the inspection?

    No, but many homeowners attend to ask questions.

  • Can a Four-Point Inspection lower my insurance premiums?

    Yes. If your systems are in good condition, insurers may lower your rates.


  • Do you offer combined inspections?

    Yes — pair your Four-Point with a Wind Mitigation or Pre-Purchase inspection to save time and money.


Ready to Stay Covered?

Don’t risk losing coverage or paying more than you should. A Four-Point Inspection is the key to fast, affordable insurance approval.


📞 Call us today at (850) 869-9099
 📧 Email: jim@flgainspections.com
 📅 Or click to schedule online: