The 4 Point Inspection Form is a crucial document used to assess the condition of a property's roof, electrical, HVAC, and plumbing systems. This form must be completed by a licensed inspector in Florida and is essential for determining insurability. To ensure a smooth process, fill out the form by clicking the button below.
When it comes to securing homeowners insurance in Florida, the 4-Point Inspection Form plays a crucial role in assessing the condition of key systems within a property. This form is designed to evaluate four essential components: the roof, electrical system, HVAC (heating, ventilation, and air conditioning), and plumbing. Each section of the form requires detailed information and documentation, including photographs of the dwelling, roof slopes, and specific plumbing and electrical components. A licensed inspector must complete the form, ensuring that the information provided is accurate and reliable. This inspection not only identifies any visible hazards or deficiencies but also helps determine the insurability of the property. For instance, the electrical section requires insights into the type of wiring and any potential issues, while the plumbing section assesses the condition of fixtures and the presence of leaks. The roof evaluation focuses on its age, materials, and overall condition, which can significantly impact insurance coverage. By thoroughly documenting these aspects, the 4-Point Inspection Form serves as a vital tool for both homeowners and insurance providers in making informed decisions about coverage and risk management.
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Ensure that the 4-Point Inspection Form is filled out completely, providing accurate details about the property, including the insured/applicant's name and the address inspected.
Attach the required photos for each section of the inspection, including the dwelling, roof slopes, plumbing, and electrical panels. These visuals are crucial for documentation.
All inspections must be performed by a Florida-licensed inspector. Only licensed professionals can certify the condition of the roof, electrical, HVAC, and plumbing systems.
When documenting the electrical system, include specific details about any aluminum wiring remediation. This information is essential for underwriting considerations.
Clearly indicate the condition of each system on the form. Use terms like satisfactory or unsatisfactory to describe the overall status and any visible hazards or deficiencies.
Complete the Additional Comments/Observations section thoroughly if any updates, hazards, or deficiencies are noted. This section helps provide context for the inspection results.
Review the form carefully before submission. Ensure that all information is accurate and that no required details are missing, as this can affect the insurability of the property.
Remember that the 4-Point Inspection Form is not a warranty. It is used solely to determine the insurability of the property and does not guarantee the longevity or fitness of the inspected systems.
4-Point Inspection Form
Insured/Applicant Name:_________________________________________________ Application / Policy #:__________________________
Address Inspected:___________________________________________________________________________________________________
Actual Year Built:________________________
Date Inspected: ______________________________________________
Minimum Photo Requirements:
Dwelling: Each side
Roof: Each slope
Plumbing: Water heater, under cabinet plumbing/drains, exposed valves
Main electrical service panel with interior door label
Electrical box with panel off
All hazards or deficiencies noted in this report
A Florida-licensed inspector must complete, sign and date this form.
Be advised that Underwriting will rely on the information in this sample form, or a similar form, that is obtained from the Florida licensed professional of your choice. This information only is used to determine insurability and is not a warranty or assurance of the suitability, fitness or longevity of any of the systems inspected.
Electrical System
Separate documentation of any aluminum wiring remediation must be provided and certified by a licensed electrician.
Main Panel
Second Panel
Type:
Circuit breaker
Fuse
Circuit breaker Fuse
Total Amps: __________
Is amperage sufficient for current usage?
Yes No (explain)
Indicate presence of any of the following:
Cloth wiring
Active knob and tube
Branch circuit aluminum wiring (If present, describe the usage of all aluminum wiring):
* If single strand (aluminum branch) wiring, provide details of all remediation. Separate documentation of all work must be provided.
Connections repaired via COPALUM crimp Connections repaired via AlumiConn
Hazards Present
Double taps
Blowing fuses
Exposed wiring
Tripping breakers
Unsafe wiring
Empty sockets
Improper breaker size
Loose wiring
Scorching
Improper grounding
Other (explain)
Corrosion
Over fusing
General condition of the electrical system:
Satisfactory
Unsatisfactory (explain)
Supplemental information
Wiring Type
Panel age: __________
Copper
Year last updated: __________
Year last updated:__________
NM, BX or Conduit
Brand/Model: __________
Sample Form Insp4pt 01 18
HVAC System
Central AC:
Yes
No
Central heat:
If not central heat, indicate primary heat source and fuel type: _________________________________
Are the heating, ventilation and air conditioning systems in good working order?
No (explain)
Date of last HVAC servicing/inspection: ______________
Wood-burning stove or central gas fireplace not professionally installed?
Space heater used as primary heat source?
Is the source portable?
Does the air handler/condensate line or drain pan show any signs of blockage or leakage, including water damage to the surrounding area?
Yes No
Supplemental Information
Age of system: _____________
Year last updated: _____________
(Please attach photo(s) of HVAC equipment, including dated manufacturer’s plate)
Plumbing System
Is there a temperature pressure relief valve on the water heater?
Is there any indication of an active leak?
Is there any indication of a prior leak?
Water heater location: _______________________________________________
General condition of the following plumbing fixtures and connections to appliances:
Satisfactory Unsatisfactory
N/A
Dishwasher
Toilets
Refrigerator
Sinks
Washing machine
Sump pump
Water heater
Main shut off valve
Showers/Tubs
All other visible
If unsatisfactory, please provide comments/details (leaks, wet/soft spots, mold, corrosion, grout/caulk, etc.).
Age of Piping System:
Type of pipes (check all that apply)
_____
Original to home
Completely re-piped
PVC/CPVC
Partially re-piped
Galvanized
(Provide year and extent of renovation in the comments below)
PEX
Polybutylene
Other (specify)
Roof (With photos of each roof slope, this section can take the place of the Roof Inspection Form.)
Predominant Roof
Covering material: __________
Roof age (years): __________
Remaining useful life (years): __________
Date of last roofing permit: __________
Date of last update: __________
If updated (check one):
Full replacement Partial replacement
%of replacement: __________
Overall condition:
Unsatisfactory (explain below)
Any visible signs of damage / deterioration?
(check all that apply and explain below)
Cracking
Cupping/curling
Excessive granule loss
Exposed asphalt
Exposed felt
Missing/loose/cracked tabs or tiles
Soft spots in decking Visible hail damage
Any visible signs of leaks? Yes No
Attic/underside of decking Yes No
Interior ceilings Yes No
Secondary Roof
Additional Comments/Observations (use additional pages if needed):
All 4-Point Inspection Forms must be completed and signed by a verifiable Florida-licensed inspector. I certify that the above statements are true and correct.
Inspector Signature
Title
License Number
Date
Company Name
License Type
Work Phone
Special Instructions: This sample 4-Point Inspection Form includes the minimum data needed for Underwriting to properly evaluate a property application. While this specific form is not required, any other inspection report submitted for consideration must include at least this level of detail to be acceptable.
Photo Requirements
Photos must accompany each 4-Point Inspection Form. The minimum photo requirements include:
•Dwelling: Each side
•Roof: Each slope
•Plumbing: Water heater, under cabinet plumbing/drains, exposed valves
•Open main electrical panel and interior door
•Electrical box with the panel off
•All hazards or deficiencies
Inspector Requirements
To be accepted, all inspection forms must be completed, signed and dated by a verifiable Florida-licensed professional. Examples include:
•A general, residential, or building contractor
•A building code inspector
•A home inspector
Note: A trade-specific, licensed professional may sign off only on the inspection form section for their trade. (e.g., an electrician may sign off only on the electrical section of the form.)
Documenting the Condition of Each System
The Florida-licensed inspector is required to certify the condition of the roof, electrical, HVAC and plumbing systems. Acceptable Condition means that each system is working as intended and there are no visible hazards or deficiencies.
Additional Comments or Observations
This section of the 4-Point Inspection Form must be completed with full details/descriptions if any of the following are noted on the inspection:
•Updates: Identify the types of updates, dates completed and by whom
•Any visible hazards or deficiencies
•Any system determined not to be in good working order
Note to All Agents
The writing agent must review each 4-Point Inspection Form before it is submitted with an application for coverage. It is the agent’s responsibility to ensure that all rules and requirements are met before the application is bound. Agents may not submit applications for properties with electrical, heating or plumbing systems not in good working order or with existing hazards/deficiencies.