If you’re buying a home or updating your insurance in Florida, you’ve probably been told you need a 4-point inspection. For many homeowners, it’s a confusing process—and that’s understandable. This isn’t something most people deal with every day.
We do, though—especially for homeowners in Vero Beach, Sebastian, Fellsmere, Indian River Shores, and Wabasso. So here’s a simple breakdown to help you understand what it is, why it matters, and how to avoid common issues that could make your home uninsurable.
What Is a 4-Point Inspection?
A 4-point inspection is a focused evaluation of the four major systems insurance companies care most about:
- Roof
- Electrical System
- Plumbing System
- HVAC (Heating & Cooling System)
It’s not the same as a full home inspection. This is a limited-scope report designed for insurance underwriting purposes, not to tell you everything about the house.
Why Do Insurance Companies Require It?
Most insurance providers in Florida—including Citizens—require a 4-point inspection regardless of the home’s age. With rising claim costs in coastal areas like Vero Beach and inland towns like Fellsmere, insurers want to make sure your home’s systems are safe, properly maintained, and not at risk for imminent failure.
How to Pass a 4-Point Inspection
(And Make Life Easier for Your Inspector)
This isn’t a graded test, but certain findings will make your home uninsurable until repairs are made. Here’s how to avoid delays and problems with your report:
1. Clear Access to Everything
This is a big one. We need to be able to see and photograph each system to complete your inspection.
Make sure the following areas are free and clear of storage or personal items:
- Electrical panel
- HVAC equipment (both inside and outside units)
- Water heater
- Under-sink plumbing in kitchen and bathrooms
- Attic access (if applicable)
A little prep makes a big difference—especially in homes in Sebastian or Wabasso, where garages and closets often become storage zones.
2. Roof
What we look for: Age, material, condition, signs of leaks or damage.
Common issues:
- Roofs nearing or over 15–20 years old.
- Evidence of leaks or past water damage.
- Damaged materials: missing shingles, tiles, soft spots, exposed fasteners.
- Temporary patches or improper repairs.
3. Electrical System
What we look for: Panel brand/type, wiring type, proper grounding, signs of overheating or corrosion.
Common issues:
- Federal Pacific, Zinsco, or Challenger panels (these often disqualify a home).
- Double-tapped breakers or exposed wiring.
- Outdated cloth or aluminum branch wiring.
- Open junction boxes or missing covers.
4. Plumbing
What we look for: Water heater age, pipe material, signs of active leaks, condition of fixtures and supply lines.
Common issues:
- Galvanized or polybutylene piping (common in older homes around Indian River County).
- Water heaters over 18 years old.
- Active leaks and corrosion.
Pro Tip:
Take a minute to clean out the sink base cabinets in kitchens and bathrooms. This lets us quickly and clearly inspect the plumbing—and keeps your stuff from getting in the way. And its an opportunity to do some spring cleaning!
5. HVAC System
What we look for: Age, operation, condition of air handler and condenser, ductwork.
Common issues:
- Systems over 20 years old.
- Units with excessive rust or visible damage.
- Non-functional cooling or heating.
Final Thoughts
A 4-point inspection can feel overwhelming, but it doesn’t have to be. We’re here to make the process quick, clear, and painless for homeowners all over Indian River County. Remember that all these systems need to be in functional condition for the inspection to pass.
Whether you’re in Vero Beach, Sebastian, Fellsmere, Wabasso, or anywhere in between, we’ve got your back. The more you prepare, the faster and smoother the inspection will go—and the better your chances of avoiding costly surprises with your insurance.
Have questions? We’re happy to help.
Here is a link to the standard 4 Point Inspection form; https://www.citizensfla.com/documents/20702/31330/4+Point+Inspection+PL/3d7e0270-2c1d-4a14-b2e6-3a796c675a7f
If your ready to geek out with me- Here is a link to the 4 Point section of my website. There you can find a video explaining the form in detail. About 30 minutes.