The Importance of a 4 Point Inspection


Buying a home soon in Florida?  Get ready to hear the term “4-Point Inspection” so you might as well learn about it now.  Insurance companies require a 4-Point Inspection to be able to get homeowners insurance and to get a mortgage you need homeowner’s insurance.  When I am working with investors or flippers they favor homes that will not pass a 4-Point Inspection because you can’t insurance, no mortgage so cash sale only.  The biggest culprit is the roof, today insurance companies look at age of roof and I hear of companies wanting a roof after 15 years.  Florida did pass legislation about insurance companies and age of roofs but the insurance companies are finding ways around the law.

So, what are the 4-points the home inspector checks:

Roof -  Type of Roof Covering (shingles, tile, rolled). The age and condition of the roof. Are there missing shingles or leaks?

Electrical System -  The type of the wiring in the home (copper, aluminum, knob and tube). The brand of the electrical panel. The condition of the homes electrical system.

Heating and Cooling - Is there central heat and air in the home? The age and condition of the system. Are there signs of leaking?

Plumbing System -    Type of supply and drain lines found in the home (copper, CPVC, galvanized, lead, polybutylene, etc. Is there evidence of current leaks?  The age of the hot water heater.

Not only the roof is causing us problems with insurance but age of water heaters, recently I had a closing and the seller needed to replace a 10-year-old water so the buyer could get insurance.  Get a Wind Mitigation and a 4-point Inspection and save money on your homeowners insurance.

Dick Betts, REALTOR®

The Betts Team

Touchstone Real Estate

The Villages, Florida

717-860-3107 cell


#realestate #realtor #thevillagesflorida #homesincentralfl #thebettsteam #dickbettsrealtor #dickbetts

Comments (6)

Kat Palmiotti
406-270-3667,, Broker/REALTOR® - Kalispell, MT
Helping your Montana dreams take root

Good morning! One thing different about insurance where I am is that some companies require that there be no trees within 30 feet (I think that's the distance) for fire mitigation reasons. I just had clients who bought a house remove all the trees on the hill right near their house for insurance purposes.

Sep 22, 2023 04:47 AM
Brian England
Ambrose Realty Management LLC - Gilbert, AZ
MBA, GRI, REALTOR® Real Estate in East Valley AZ

It's definitely important to have all 4 of those systems inspected, if for nothing else than to know what you are getting into.

Sep 22, 2023 05:02 AM
Dick Betts
REALTOR® The Villages, Florida

Kat Palmiotti I spoke in Santa Rosa, CA a few years back and they showed the results of a fire wiping out a neighborhood, scary!

Sep 22, 2023 01:17 PM
Dick Betts
REALTOR® The Villages, Florida

Brian England agree, we are big on them and Wind Mitigation reports here.

Sep 22, 2023 01:18 PM
John Pusa
Berkshire Hathaway Home Services Crest - Glendale, CA
Your All Time Realtor With Exceptional Service

Hello Dick Betts these are very good list of inspection for when buying a home.

Sep 22, 2023 08:16 PM
Dick Betts
REALTOR® The Villages, Florida

Thanks John Pusa a must for all homebuyers for peace of mind and to get a better insurance rate!

Sep 23, 2023 04:02 AM