4 point Inspections in Broward, Palm Beach & Miami Dade Counties

Effective September 2012, Citizen’s Insurance will require a 4-Point Inspection for all homeowner, dwelling and mobile home applications for properties over 30 years old.

A Florida state licensed inspector is required to certify the condition of the electrical, HVAC and plumbing systems. Acceptable condition means that each system is working as intended and there are no visible hazards or deficiencies. If so they must be noted on the form. Your real estate agent or insurance agent will let you know if this service is needed when buying a home. If you already own an older home, you may hear about a 4 point for the first time when you receive a cancellation notice on your insurance. The information on the survey is used for insurance companies to prevent losses on older homes with outdated major systems. In most cases, you will be allowed a specific time frame to bring any outdated systems up to standard before the policy is cancelled. In other cases, you may be denied coverage until corrections are made.

Homeowners or buyers should contact their insurance agents to find out if this service is required. The agent will need the address of the home and the year it was built. If the 4 point is not required, ask if discounts are available by having the inspection done anyway.
Our inspectors use a standardized form to do the 4 point survey on. If your insurance company requires a specific form for this service, please have a copy available prior to your appointment.

Keep in mind that a pre-purchase inspection and a 4 point insurance survey are not the same. The pre-purchase inspection is a comprehensive inspection that buyers have done to learn the true condition of the home. A 4 point survey does not give the buyer the same information, it is done so the buyer or owner can obtain insurance on the property. If you choose not to get the survey and your insurance company requires it, you may not be able to obtain insurance for the property.

4 Point HVAC4 Point Electrical System4 Point Plumbing

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