The Importance of a 4 Point Inspection

Real Estate Agent with Keller Williams Capital Partners Realty 277320

It's a vital step in ensuring the safety and integrity of a property, particularly for older homes. As a real estate professional, I highly recommend including a 4-point inspection in your due diligence checklist. It can save you from unexpected surprises and contribute to a smoother real estate transaction. Great advice!

Have a super fantastic week!
Joe Jackson, Realtor-KWCP

Original content by Dick Betts

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

Posted by



THE JACKSON TEAM  614.888.1000   614.431.1220


Comments (4)

Patricia Feager, MBA, CRS, GRI,MRP
Selling Homes Changing Lives

Joe Jackson - Having a 4-Point Inspection is very important. Stucture integrity and functionality matters!

Sep 25, 2023 10:13 AM
Bill Salvatore - East Valley
Arizona Elite Properties - Chandler, AZ
Realtor - 602-999-0952 / em:

Great information.  Thanks for sharing and enjoy your week! 

Bill Salvatore, Realtor- Arizona Elite Properties

Sep 25, 2023 11:09 AM
Kristin Johnston - REALTOR®
RE/MAX Platinum - Waukesha, WI
Giving Back With Each Home Sold!

Great post!  Thanks for sharing and enjoy your day!

Oct 02, 2023 07:24 AM
Dick Betts
REALTOR® The Villages, Florida

Joe Jackson thanks for reblogging my post, hope it helps somebody!  Have a great week!

Oct 02, 2023 08:37 AM