4-point inspection in Palm Beach County
A 4-point is usually asked for when you’re changing insurance companies
The new insurance company wants the 4-point report before it writes the coverage. It isn’t a full home inspection. It’s a report on four systems: the roof, electrical, plumbing and HVAC.
Each company sets its own rules on when a 4-point is required and which form it wants. Ask your agent which form the company uses, and tell us when you call.
The four systems, and what the report records on each
Roof
The covering material, its age and remaining useful life, any visible damage or deterioration, and any signs of leaks in the attic or on the ceilings.
Electrical
The panel type, brand and amperage, the kind of wiring in the home, and any visible hazards.
Plumbing
The pipe material and age, the water heater and its relief valve, the fixtures and connections, and any leaks, active or prior.
HVAC
The heating and air conditioning systems, their age, whether they’re in working order, and the condition of the condensate line and drain pan.
Photographs a 4-point report generally includes
- Each side of the home
- Each slope of the roof
- The water heater
- The plumbing under the cabinets
- The main electrical panel, open
- The label inside the panel door
- Any hazard or deficiency noted
We’ll need access to the attic, the electrical panel, the water heater, the air handler and the cabinets under each sink.
What you get, and what we can’t promise
You get the completed report, signed by the inspector with his license number, and the photographs that go with it. You send it to your insurance agent.
The report says what’s there and the condition it’s in. If a system has a problem, the report says so. What the insurance company does with the report is its decision.
Pricing doesn’t change based on what the report shows. We don’t perform or offer repairs on a home we’ve inspected.
If you were asked for a wind mitigation inspection as well, tell us when you call.
Questions homeowners ask about 4-point inspections
How soon do I get the 4-point report?
Most reports are turned around in 24 to 48 hours. That depends on whether we have all the documents needed to support the form.
Is a 4-point inspection the same as a full home inspection?
No. A 4-point reports on four systems: the roof, electrical, plumbing and HVAC. A full home inspection covers eight areas of the home.
How long is a 4-point inspection good for?
Generally one year, depending on your insurance company. It’s usually asked for when you’re changing from one insurance company to another, because the new company wants the 4-point report before it writes the coverage.
What happens if the 4-point report shows a problem?
We’ll tell you what needs to be fixed. You still get the report, and the inspection is paid for when it’s delivered. Once all the repairs have been completed, we can come back, reinspect and update the report. Reinspection is at our discretion. We don’t perform or offer repairs on a home we’ve inspected.
What does a 4-point inspection cost?
Call 561-281-6990 to discuss pricing.
4-point inspections in every city and town in Palm Beach County
- Atlantis
- Belle Glade
- Boca Raton
- Boynton Beach
- Briny Breezes
- Cloud Lake
- Delray Beach
- Glen Ridge
- Golf
- Greenacres
- Gulf Stream
- Haverhill
- Highland Beach
- Hypoluxo
- Juno Beach
- Jupiter
- Jupiter Inlet Colony
- Lake Clarke Shores
- Lake Park
- Lake Worth Beach
- Lantana
- Loxahatchee Groves
- Manalapan
- Mangonia Park
- North Palm Beach
- Ocean Ridge
- Pahokee
- Palm Beach
- Palm Beach Gardens
- Palm Beach Shores
- Palm Springs
- Riviera Beach
- Royal Palm Beach
- South Bay
- South Palm Beach
- Tequesta
- Wellington
- West Palm Beach
- Westlake
We also inspect homes in the unincorporated areas of the county.