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Forms and Templates

Homepage Fill Out a Valid 4 Point Inspection Template

Guide to Writing 4 Point Inspection

Completing the 4 Point Inspection form requires careful attention to detail. Each section must be filled out accurately to ensure that the information provided is reliable and comprehensive. Follow these steps to complete the form effectively.

  1. Begin by entering the Insured/Applicant Name at the top of the form.
  2. Fill in the Application / Policy #.
  3. Provide the Address Inspected.
  4. Indicate the Actual Year Built of the property.
  5. Record the Date Inspected.
  6. Gather and attach the required photos for each section:
    • Each side of the dwelling
    • Each slope of the roof
    • Water heater, under cabinet plumbing/drains, and exposed valves
    • Main electrical service panel with the interior door label
    • Electrical box with the panel off
    • Any noted hazards or deficiencies
  7. Complete the Electrical System section, noting:
    • Type of main and second panel
    • Total amps for each panel
    • Amperage sufficiency
    • Presence of any hazards
    • General condition of the electrical system
  8. Fill out the HVAC System section, indicating:
    • Central AC and heat status
    • Condition of HVAC systems
    • Date of last servicing/inspection
  9. Complete the Plumbing System section, answering questions regarding:
    • Temperature pressure relief valve on the water heater
    • Indications of leaks
    • General condition of plumbing fixtures
  10. Fill out the Roof section, including:
    • Predominant roof covering material
    • Roof age and remaining useful life
    • Overall condition and any visible signs of damage or leaks
  11. Provide any Additional Comments/Observations as necessary.
  12. Ensure that the form is signed and dated by a Florida-licensed inspector.

After completing the form, review it thoroughly to ensure all information is accurate and all required photos are attached. This will help facilitate the underwriting process and ensure a smooth evaluation of the property application.

Document Breakdown

Fact Name Description
Purpose The 4-Point Inspection Form evaluates the condition of four key systems: electrical, plumbing, HVAC, and roof.
Inspections Required A licensed Florida inspector must complete and sign the form for it to be valid.
Photo Requirements Photos of the dwelling, roof slopes, plumbing, and electrical systems are mandatory.
Insurability Assessment The information collected helps insurance companies determine if a property is insurable.
Aluminum Wiring If aluminum wiring is present, documentation of remediation must be certified by a licensed electrician.
Condition Ratings Each system is rated as satisfactory or unsatisfactory, with explanations required for unsatisfactory ratings.
Supplemental Information Inspectors must provide details about the age and type of systems, including any updates or repairs.
State-Specific Requirements In Florida, the form must comply with state laws regarding property inspections and insurance underwriting.
Agent Responsibilities Agents must review the form for completeness and accuracy before submitting it with an insurance application.

FAQ

What is a 4-Point Inspection Form?

A 4-Point Inspection Form is a document used to assess the condition of four key systems in a property: the roof, electrical system, HVAC (heating, ventilation, and air conditioning), and plumbing. This inspection is typically required by insurance companies when evaluating a property for coverage. The form must be completed by a Florida-licensed inspector and includes details about the condition of each system, along with photos and any noted hazards or deficiencies.

Who is required to complete the 4-Point Inspection Form?

The form must be completed, signed, and dated by a verifiable Florida-licensed professional. Acceptable inspectors include general contractors, residential contractors, building code inspectors, and home inspectors. Each inspector can only sign off on the sections relevant to their trade. For example, an electrician can only complete the electrical section.

What systems are evaluated in a 4-Point Inspection?

The 4-Point Inspection evaluates the following systems:

  1. Roof
  2. Electrical System
  3. HVAC System
  4. Plumbing System

Each system is assessed for its condition, any visible hazards, and whether it is functioning properly.

What are the minimum photo requirements for the inspection?

The inspection requires specific photos to be included with the form. The minimum photo requirements are:

  • Each side of the dwelling
  • Each slope of the roof
  • Water heater, under cabinet plumbing/drains, and exposed valves
  • Main electrical panel with the interior door open
  • Electrical box with the panel off
  • All noted hazards or deficiencies

These photos help provide a visual record of the property's condition.

What happens if a system is found to be unsatisfactory?

If any system is deemed unsatisfactory, the inspector must provide details and comments about the issues found. This could include information about leaks, corrosion, or any other deficiencies. Insurance agents are responsible for reviewing these details before submitting the application for coverage.

Is the 4-Point Inspection Form a warranty of the systems inspected?

No, the information provided in the 4-Point Inspection Form is not a warranty or assurance of the suitability, fitness, or longevity of any of the systems inspected. It is used solely to determine insurability based on the current condition of the systems.

What should be included in the additional comments section?

The additional comments section should include detailed descriptions of any updates made to the systems, visible hazards or deficiencies, and any systems that are not in good working order. This section helps provide context and clarity regarding the condition of the property.

How does the insurance application process work with the 4-Point Inspection Form?

Once the 4-Point Inspection Form is completed and signed by the licensed inspector, it must be submitted along with the insurance application. The writing agent must review the form to ensure all requirements are met. Applications for properties with systems not in good working order or with existing hazards cannot be submitted.

Can I use a different inspection report instead of the 4-Point Inspection Form?

While the specific 4-Point Inspection Form is not mandatory, any alternative inspection report submitted must include at least the same level of detail as the 4-Point Inspection. This ensures that the insurance company has the necessary information to evaluate the property effectively.

4 Point Inspection Example

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

 

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

 

 

 

 

 

_____

Completely re-piped

 

PVC/CPVC

 

 

 

 

 

_____

Partially re-piped

 

Galvanized

 

 

 

 

 

(Provide year and extent of renovation in the comments below)

 

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