A Four (4) Point inspection is often required when obtaining a new homeowner's insurance policy, or when renewing an existing policy.  Four (4) Point requirements will vary from carrier to carrier usually starting at 30 years or older. Four (4) Point inspections consists of a limited visual survey of the following:
 

• Heating/Air conditioning system

• Roof

• Electrical

• Plumbing

The purpose of the inspection is to determine the approximate age, general condition, and remaining lifespan of these systems. This is a limited visual inspection of components the insurance company may find unsafe or problematic. 

With regards to the insurance company,  they are generally looking to see if your property has been updated to current standards and is in good condition.  After Hurricane Andrew, Insurance Companies in Florida started to encourage home owners to make their homes safer and reduce insurance claims. Today, most if not all of the insurance companies and JUA (Joint Underwriting Association) request or require Four Point Inspections for homes older than 30 years

As of 09/01/12, a 4 point insurance inspection is required by Citizen’s Insurance Company on every home 30 years or older in order to obtain a new insurance policy or renew an existing policy.

*It is important to remember that this is a limited visual inspection and does not replace an home inspection, such as for a purchase or 
sale (listing inspection).