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The 4 Point Inspection Form is a critical document used to evaluate the condition of a property's major systems: roof, electrical, HVAC, and plumbing. This inspection is typically required by insurance companies to determine a property's insurability. Ensure you complete the form accurately by clicking the button below.

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The 4 Point Inspection form serves as a crucial tool in assessing the overall condition of a property’s major systems, specifically the roof, electrical, HVAC, and plumbing. Each section of the form is designed to gather essential information that helps determine the insurability of a home. For instance, the roof section requires details about the roof covering material, its age, and any visible signs of damage or leaks. The electrical system section evaluates the condition of the main and secondary panels, noting the type of wiring present and any potential hazards, such as exposed wiring or improper grounding. Similarly, the HVAC system section checks for the functionality of heating and cooling systems, while the plumbing section addresses the presence of leaks and the condition of fixtures. Importantly, all findings must be documented by a Florida-licensed inspector, who certifies that the information provided is accurate. This form is not just a checklist; it plays a vital role in ensuring that properties meet safety and insurance standards, thereby protecting both homeowners and insurers alike.

Sample - 4 Point Inspection Form

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		Type:	Circuit breaker Fuse
Total Amps: __________				Total Amps: __________
Is amperage sufficient for current usage?			Yes No (explain)	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

Main Panel	Second Panel	Wiring Type
Panel age: __________	Panel age: __________	Copper
Year last updated: __________	Year last updated:__________	NM, BX or Conduit
Brand/Model: __________	Brand/Model: __________

Sample Form Insp4pt 01 18

4-Point Inspection Form

HVAC System

Central AC:	Yes	No
Central heat:	Yes	No

If not central heat, indicate primary heat source and fuel type: _________________________________

Are the heating, ventilation and air conditioning systems in good working order?						Yes	No (explain)
Date of last HVAC servicing/inspection: ______________

Hazards Present
Wood-burning stove or central gas fireplace not professionally installed?					Yes	No
Space heater used as primary heat source?			Yes	No
Is the source portable?	Yes	No

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?			Yes	No
Is there any indication of an active leak?	Yes	No
Is there any indication of a prior leak?	Yes	No
Water heater location: _______________________________________________

General condition of the following plumbing fixtures and connections to appliances:
Satisfactory Unsatisfactory		N/A		Satisfactory Unsatisfactory	N/A
Satisfactory Unsatisfactory		N/A		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.).

Supplemental Information

Age of Piping System:		Type of pipes (check all that apply)
_____	Original to home	Copper
		Copper
_____	Completely re-piped	PVC/CPVC
		PVC/CPVC
_____	Partially re-piped	Galvanized
		Galvanized
(Provide year and extent of renovation in the comments below)		PEX
		PEX
		Polybutylene
		Other (specify)

Sample Form Insp4pt 01 18

4-Point Inspection Form

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:

Satisfactory

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

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:

Satisfactory

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

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

Sample Form Insp4pt 01 18

4-Point Inspection Form

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.

Sample Form Insp4pt 01 18

Document Breakdown

Fact Name	Description
Purpose	The 4-Point Inspection Form is designed to assess the condition of four key systems in a home: the roof, electrical, HVAC, and plumbing systems.
State Requirement	In Florida, this form must be completed by a licensed inspector to be valid for underwriting insurance applications.
Minimum Photo Requirements	Inspections must include photos of each side of the dwelling, each slope of the roof, and key components of the plumbing and electrical systems.
Certification	A Florida-licensed inspector must sign and date the form, certifying the accuracy of the information provided.
Condition Assessment	Inspectors must evaluate each system as either satisfactory or unsatisfactory, detailing any visible hazards or deficiencies.
Documentation of Hazards	Any noted hazards, such as exposed wiring or leaks, must be documented, and separate remediation documentation may be required.
Agent Responsibilities	Insurance agents must review the completed form to ensure compliance with underwriting standards before submitting applications for coverage.

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Misconceptions

Misconception 1: The 4 Point Inspection form guarantees insurance coverage.

This form is merely a tool for underwriting. It provides information about the property's systems but does not ensure that coverage will be granted.

Misconception 2: Any inspector can complete the form.

Only a Florida-licensed inspector can fill out and sign this form. Their credentials are crucial for the validity of the inspection.

Misconception 3: The inspection is only about the roof.

The 4 Point Inspection assesses four critical systems: the roof, electrical, HVAC, and plumbing. Each system must be evaluated to determine insurability.

Misconception 4: Photos are optional for the inspection.

Photos are a mandatory requirement. They must accompany the form and document the condition of each inspected area.

Misconception 5: The form is only for older homes.

While older homes often require this inspection, any property seeking insurance may need to undergo a 4 Point Inspection, regardless of its age.

Misconception 6: The inspector's comments are not important.

Inspector comments provide essential insights into the condition of the systems. They help underwriters make informed decisions about coverage.

Misconception 7: The form is a warranty for system longevity.

The 4 Point Inspection does not guarantee the fitness or longevity of any system. It only reflects the condition at the time of inspection.

Misconception 8: All deficiencies must be fixed before submitting the form.

While significant hazards must be addressed, minor deficiencies can still be noted. Underwriters will consider the overall condition when evaluating the application.

Misconception 9: The form can be completed by multiple inspectors.

Each section of the form must be signed by a licensed inspector who is responsible for that specific system. This ensures accountability and accuracy.

Misconception 10: The 4 Point Inspection form is the only requirement for insurance.

While it is a critical component, other documentation and requirements may also be necessary depending on the insurance provider's policies.

Documents used along the form

The 4-Point Inspection Form is a critical document used in assessing the condition of a property for insurance purposes. However, several other forms and documents often accompany it to provide a comprehensive view of the property’s condition and compliance with safety standards. Below is a list of these documents, each serving a specific purpose.

Home Inspection Report: This document provides a detailed evaluation of the overall condition of a property. It covers various systems, including structural integrity, electrical, plumbing, and HVAC systems. A home inspector typically prepares this report, which can reveal issues that may not be evident in a standard 4-Point Inspection.
Roof Inspection Report: This report focuses specifically on the roof's condition. It assesses materials, age, and any visible damage or leaks. It is often conducted by a roofing specialist and can provide insights into the roof's remaining lifespan and potential repair needs.
Residential Lease Agreement Form: This essential document outlines the terms between landlord and tenant for renting a property in California, ensuring clarity on rent and responsibilities. To obtain the form, visit California PDF Forms.
Electrical Inspection Report: This document evaluates the electrical systems within a property. It identifies potential hazards, such as outdated wiring or insufficient amperage, and ensures compliance with local codes. A licensed electrician typically conducts this inspection.
HVAC Inspection Report: This report assesses the heating, ventilation, and air conditioning systems. It includes evaluations of system efficiency, age, and any necessary repairs or maintenance. An HVAC technician usually prepares this document.
Plumbing Inspection Report: This document reviews the plumbing systems, including pipes, fixtures, and water heaters. It identifies any leaks, corrosion, or code violations. A licensed plumber typically conducts this inspection and provides a detailed account of the plumbing condition.
Insurance Application: This form is required to initiate the insurance process. It collects basic information about the property and the applicant, including coverage needs and any previous claims. Accurate completion of this application is essential for underwriting purposes.
Photographic Evidence: Accompanying photos are often required to support findings in the 4-Point Inspection. These images should document the condition of the roof, electrical panel, plumbing fixtures, and any visible hazards. Proper documentation can aid in the underwriting process and help identify issues that need addressing.

These documents collectively provide a thorough understanding of a property's condition, helping both insurers and homeowners make informed decisions. Ensuring that all required forms are accurately completed and submitted can facilitate a smoother insurance application process.