Citizens 4‑Point Inspection – Brevard County, Florida
Accepted by all major carriers including Citizens and State Farm. Get your report in 24 hours.
- Certified Home, 4‑Point & Wind Mitigation Inspections
A Citizens 4-Point Inspection is a mandatory requirement for many Florida homes, especially those built before 2002. Citizens Property Insurance Corporation uses this inspection to verify that the home’s four major systems meet their underwriting standards before issuing or renewing a policy. This inspection is essential for homeowners seeking coverage through Citizens Insurance.
We provide fast, Citizens‑approved 4‑Point Inspections throughout Melbourne, Palm Bay, Viera, Cocoa, Rockledge, Titusville, and the entire Space Coast. Every report is completed on the official Citizens 4‑Point form and includes the documentation your agent needs to bind or renew your policy.
What a Citizens 4‑Point Inspection Covers
Citizens uses the 4‑Point Inspection to evaluate the condition, age, and safety of the four systems that pose the highest risk in older Florida homes:
Roofing – Age, material, remaining life, and any signs of leaks
Electrical System – Panel brand, wiring type, safety hazards (FPE, Zinsco, aluminum branch wiring)
Plumbing System – Pipe materials, water heater age, active leaks, polybutylene identification
HVAC System – Cooling/heating functionality, age, safety, and condition
This inspection is completed on the official Citizens 4‑Point form and follows Citizens underwriting guidelines.
What Our Citizens Insurance 4‑Point Inspection Include
You receive a complete Citizens‑ready inspection package:
Official Citizens 4‑Point Inspection Form
Photos of all four major systems
Documentation of system ages and materials
Identification of any Citizens‑restricted components
Notes your agent can use to process your policy quickly
Our reports are accepted by Citizens, State Farm, Progressive, Tower Hill, and all major Florida insurers.
Citizens 4-point Inspection Requirements
Roof Requirements
Citizens typically requires:
No active leaks
No visible damage
Sufficient remaining useful life
Acceptable roofing materials
We document everything needed for underwriting approval.
Electrical Requirements
Citizens flags or denies coverage for:
Federal Pacific Electric (FPE) panels
Zinsco/Sylvania panels
Cloth wiring
Aluminum branch wiring (unless properly remediated)
We identify these issues clearly so your agent knows exactly what to submit.
Plumbing Requirements
Citizens may deny or restrict coverage for:
Polybutylene piping
Galvanized piping in poor condition
Water heaters older than 20 years
Active leaks
Your report includes pipe material identification and water heater documentation.
HVAC Requirements
Citizens requires:
A functional cooling system
No unsafe conditions
No missing or damaged components
We verify operation and condition to ensure compliance.
What You’ll Receive After the Inspection
Your completed Citizens 4‑Point Inspection includes:
- A full insurance‑approved 4‑Point report
- Photos of all four major systems
- Documentation of system ages and conditions
- Identification of hazards or outdated components
- Notes your insurance agent can use to process your policy
Bundle & Save: Citizens 4‑Point + Wind Mitigation
Why Choose Us for Your Citizens 4‑Point Inspection
With 40+ years of construction experience and 8 years inspecting Florida homes, we know exactly what Citizens underwriters look for. Our inspections are accurate, fast, and formatted precisely to Citizens’ standards.
You get:
Same‑day or next‑day scheduling
Fast report delivery
Citizens‑approved documentation
Clear explanations of any issues that may affect eligibility
Serving Brevard & Indian River County
We provide 4‑Point Inspections throughout:
Brevard County
Melbourne
Palm Bay
Titusville
Cocoa
Cocoa Beach
Rockledge
Satellite Beach
Merritt Island
Indialantic
Indian Harbour Beach
Melbourne Beach
West Melbourne
Cape Canaveral
Indian River County
Vero Beach
Sebastian
Fellsmere
Gifford
Winter Beach
Wabasso
Roseland
Indian River Shores
Your Local 4‑Point Inspection Specialist
With 40+ years of building experience in Brevard County and 8 years inspecting Florida homes, I understand how our local construction ages and how insurance carriers evaluate risk. Every 4‑Point Inspection is performed to Florida insurance standards and focuses on the four systems that matter most—roof, electrical, plumbing, and HVAC. You receive clear, detailed documentation that shows the condition, age, and safety of each system so carriers can accurately underwrite your policy.
A 4‑Point Inspection is one of the most important steps for securing or renewing homeowners insurance in Florida. Older homes, coastal weather, and system wear all play a major role in whether a property meets carrier requirements. My inspections are thorough, accurate, and fully insurance‑ready, giving you the documentation carriers expect and the confidence homeowners rely on when navigating Florida’s insurance market.
Homes in Brevard County face unique conditions — coastal weather, aging electrical systems, older plumbing materials, and roof wear from storms. With over 40 years of construction experience and 8 years inspecting Florida homes, we understand how these factors impact insurance eligibility. Our inspections are tailored to the specific requirements of Florida carriers and the realities of Space Coast homes.
Official Citizens 4‑Point Inspection Resources for Florida Homeowners
These official resources provide additional information about Florida insurance requirements and Citizens 4‑Point Inspection standards:
Need a 4‑Point for Insurance? We Can Help.
Frequently Asked Questions
How long does a 4‑Point Inspection take?
Most 4‑Point Inspections take 30–45 minutes depending on home size and access to the major systems.
Do I need a 4‑Point Inspection for Citizens?
Yes. Citizens requires a 4‑Point Inspection for most homes over 20 years old.
Will you complete the official Citizens form?
Yes — your report is delivered on the official Citizens 4‑Point form.
Can you do the 4‑Point and Wind Mitigation at the same time?
Yes. Most Citizens agents recommend it to reduce premiums. We offer a discounted rate when both are performed during the same visit.
Can you send the report directly to my agent?
Absolutely. We can send it to you and your agent within 24 hours.
What if my home has older systems?
Older systems don’t automatically fail the inspection. We document everything clearly so your agent can determine eligibility or required updates.