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.
- Begin by entering the Insured/Applicant Name at the top of the form.
- Fill in the Application / Policy #.
- Provide the Address Inspected.
- Indicate the Actual Year Built of the property.
- Record the Date Inspected.
- 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
- 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
- Fill out the HVAC System section, indicating:
- Central AC and heat status
- Condition of HVAC systems
- Date of last servicing/inspection
- Complete the Plumbing System section, answering questions regarding:
- Temperature pressure relief valve on the water heater
- Indications of leaks
- General condition of plumbing fixtures
- 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
- Provide any Additional Comments/Observations as necessary.
- 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 |
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| 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:
- Roof
- Electrical System
- HVAC System
- 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.
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4 Point Inspection Example
Insured/Applicant Name:_________________________________________________ Application / Policy #:__________________________
Address Inspected:___________________________________________________________________________________________________
Actual Year Built:________________________ |
Date Inspected: ______________________________________________ |
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Minimum Photo Requirements: |
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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
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 |
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Second Panel |
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Type: |
Circuit breaker |
Fuse |
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Type: |
Circuit breaker Fuse |
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Total Amps: __________ |
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Total Amps: __________ |
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Is amperage sufficient for current usage? |
Yes No (explain) |
Is amperage sufficient for current usage? |
Yes No (explain) |
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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 |
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Double taps |
Blowing fuses |
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Exposed wiring |
Tripping breakers |
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Unsafe wiring |
Empty sockets |
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Improper breaker size |
Loose wiring |
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Scorching |
Improper grounding |
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Other (explain) |
Corrosion |
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Over fusing |
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General condition of the electrical system: |
Satisfactory |
Unsatisfactory (explain) |
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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: __________ |
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Sample Form Insp4pt 01 18
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) |
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Date of last HVAC servicing/inspection: ______________ |
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Hazards Present |
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Yes |
No |
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Space heater used as primary heat source? |
Yes |
No |
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Is the source portable? |
Yes |
No |
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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 |
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Is there any indication of an active leak? |
Yes |
No |
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Is there any indication of a prior leak? |
Yes |
No |
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Water heater location: _______________________________________________ |
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General condition of the following plumbing fixtures and connections to appliances: |
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Satisfactory Unsatisfactory |
N/A |
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Satisfactory Unsatisfactory |
N/A |
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Dishwasher |
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Toilets |
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Refrigerator |
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Sinks |
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Washing machine |
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Sump pump |
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Water heater |
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Main shut off valve |
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Showers/Tubs |
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All other visible |
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If unsatisfactory, please provide comments/details (leaks, wet/soft spots, mold, corrosion, grout/caulk, etc.).
Supplemental Information
Age of Piping System: |
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Type of pipes (check all that apply) |
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Original to home |
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Copper |
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Completely |
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PVC/CPVC |
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Partially |
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Galvanized |
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(Provide year and extent of renovation in the comments below) |
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PEX |
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Polybutylene |
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Other (specify) |
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Sample Form Insp4pt 01 18
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
Inspector Signature |
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Title |
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License Number |
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Date |
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Company Name |
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License Type |
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Work Phone |
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Sample Form Insp4pt 01 18
Special Instructions: This sample
Photo Requirements
Photos must accompany each
•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
•A general, residential, or building contractor
•A building code inspector
•A home inspector
Note: A
Documenting the Condition of Each System
The
Additional Comments or Observations
This section of the
•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
Sample Form Insp4pt 01 18