The 4 Point Inspection Form is a crucial document used to assess the condition of key systems in a property, including the roof, electrical, HVAC, and plumbing. This form must be completed by a licensed inspector and includes specific requirements for photos and documentation. To ensure your property meets underwriting guidelines, fill out the form by clicking the button below.
The 4-Point Inspection Form is a document used to assess the condition of four key systems in a home: the roof, electrical system, HVAC system, and plumbing. This inspection is often required by insurance companies to evaluate a property’s insurability.
A Florida-licensed inspector must complete, sign, and date the form. Acceptable professionals include general contractors, residential contractors, building code inspectors, and home inspectors. Each inspector can only certify the section relevant to their trade.
Photos are essential to accompany the 4-Point Inspection Form. The minimum requirements include:
If any system is found to be unsatisfactory, the inspector must provide detailed comments. This includes noting any visible hazards or deficiencies, such as leaks or corrosion. The insurance agent will need to review these findings before submitting the application.
Insurance companies use the information from the 4-Point Inspection Form to determine whether a property is insurable. It helps them assess risks associated with the home's systems. However, it does not guarantee the suitability or longevity of those systems.
If you have concerns regarding the inspection, it’s crucial to discuss them with your inspector. They can provide clarity on any issues noted in the report. Additionally, you may want to seek a second opinion from another licensed professional.
To increase the likelihood of your application being accepted, ensure that the 4-Point Inspection Form is fully completed, signed, and dated by a qualified inspector. The inspection must show that all systems are in good working order without any existing hazards or deficiencies.
When completing a 4-Point Inspection, several additional forms and documents may be necessary to ensure a comprehensive assessment of a property. These documents help provide a clearer picture of the property’s condition and aid in the underwriting process. Here’s a brief overview of some commonly used forms alongside the 4-Point Inspection form:
These documents play an important role in the overall evaluation of a property. By gathering detailed information from each inspection, you can ensure that all aspects of the home are considered, allowing for a more informed decision regarding insurability and safety. Always consult with qualified professionals to obtain accurate and thorough reports.
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.
Completing the 4 Point Inspection form accurately is crucial for homeowners seeking insurance coverage. However, several common mistakes can lead to complications or delays in the underwriting process. Awareness of these pitfalls can help ensure a smoother experience.
One frequent error is incomplete information. Applicants often neglect to fill out all required fields, such as the insured's name, address, or the actual year built. Missing details can cause significant delays in processing the application, as underwriters require complete data to assess insurability.
Another mistake is failing to provide adequate documentation, particularly when it comes to photos. The form specifies minimum photo requirements for various systems, including the roof and plumbing. Submitting inadequate or unclear photos can lead to further inquiries or even rejection of the inspection report.
People sometimes overlook the need for a Florida-licensed inspector to complete the form. If the inspection is not conducted by a licensed professional, the entire report may be deemed invalid. This can result in wasted time and effort, as applicants must start the inspection process over again.
Inconsistent or vague descriptions of hazards and deficiencies are also common issues. For instance, if an inspector notes "unsatisfactory" conditions without providing specific details, the underwriter may not have enough information to make a decision. Clear and detailed explanations are essential for a comprehensive evaluation.
Another common oversight is neglecting to check all relevant boxes regarding the condition of systems. For example, if there are issues with the electrical system, but the box indicating "satisfactory" is checked, this can mislead underwriters and result in insurance complications later.
Lastly, failing to sign and date the form can render it incomplete. This is a simple yet critical step that many forget. Without a signature, the report lacks the necessary certification from the inspector, which is vital for the underwriting process.
By avoiding these mistakes, applicants can facilitate a smoother and more efficient insurance application process. Attention to detail is key in ensuring that all information is accurate and complete.
Home Inspection Report: Similar to the 4 Point Inspection form, a home inspection report evaluates the overall condition of a property. It covers major systems such as plumbing, electrical, and HVAC, providing a comprehensive overview of the home's condition.
Roof Inspection Form: This document focuses specifically on the roof's condition, detailing materials, age, and any visible damage. Like the 4 Point Inspection, it requires photographs and assessments of the roof's integrity.
Electrical Inspection Report: This report assesses the electrical systems in a property, including wiring, panels, and safety features. It shares a similar structure with the 4 Point Inspection by identifying hazards and providing recommendations for repairs.
HVAC Inspection Report: An HVAC inspection report evaluates heating, ventilation, and air conditioning systems. It is comparable to the 4 Point Inspection in that it checks for operational efficiency and identifies any potential issues.
Plumbing Inspection Report: This report focuses on the plumbing systems within a property, detailing the condition of pipes, fixtures, and potential leaks. It parallels the 4 Point Inspection by documenting any deficiencies and recommending necessary repairs.
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Insurance Underwriting Inspection: This type of inspection is conducted for underwriting purposes, similar to the 4 Point Inspection. It evaluates property conditions to determine insurability and compliance with insurance requirements.
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