4 Point Inspection Tampa: What It Is and Why You May Need One
- 7 days ago
- 2 min read
Schedule a 4 Point Inspection in Tampa
If you’re buying a home or renewing your homeowner’s insurance policy in Florida, there’s a good chance your insurance company will request a 4-point inspection. Today, many insurance carriers require them on homes that are over 10 years old.
At Elite Level Home Inspection, we provide fast, professional 4-point inspections throughout the Tampa Bay area to help keep your transaction or policy renewal moving smoothly.
What Is a 4-Point Inspection?
A 4-point inspection is a limited, insurance-focused inspection that evaluates the condition and age of the four major systems in a home:
Roof
Electrical system
Plumbing system
HVAC (heating and cooling)
Insurance companies use this report to determine the overall risk of insuring the property.
Why Do Insurance Companies Require a 4-Point Inspection?
Most insurance carriers request a 4-point inspection when:
The home is over 10 years old
A policy is being renewed or changed
The insurance company needs updated system information
As homes age, major systems begin to wear down. Roof leaks, plumbing failures, electrical hazards, and HVAC breakdowns are among the most common and costly insurance claims. A 4-point inspection helps confirm the home’s systems are in acceptable condition.
What’s Included in a 4-Point Inspection?
Roof
We inspect:
Roof covering type and estimated age
Visible signs of damage or deterioration
Leaks or active repairs
Overall condition
Electrical System
We check:
Main panel type and amperage
Visible wiring
Safety concerns or outdated components
General condition of the system
Plumbing System
We evaluate:
Supply and drain piping materials
Water heater age and condition
Visible leaks or corrosion
Overall system condition
HVAC System
We inspect:
Heating and cooling equipment
Estimated age
General operation at time of inspection
Overall condition
What a 4-Point Inspection Does Not Include
A 4-point inspection is not a full home inspection. It does not cover:
Appliances
Cosmetic issues
Structural components
Windows and doors
General maintenance items
It is strictly focused on the four major systems for insurance purposes.
How Long Does a 4-Point Inspection Take?
Most 4-point inspections take:
20–40 minutes for an average-size home
Reports are typically delivered the same day
What If the Home Doesn’t Pass?
If an issue is found, the insurance company may require repairs before issuing or renewing the policy. Once repairs are completed, we can often update the 4-point report with proper documentation from licensed contractors, depending on the repair.
When Should You Schedule a 4-Point Inspection?
You may need one when:
Buying a home over 10 years old
Renewing your homeowner’s insurance
Switching insurance carriers
The insurance company requests updated documentation
Schedule Your 4-Point Inspection in Tampa Bay
At Elite Level Home Inspection, we provide clear, easy-to-understand reports, fast scheduling, and professional service to help keep your insurance process simple.
Call or text: (813) 846-2770
Schedule online: https://www.elitelevelhomeinspection.com
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