4-Point Inspection in Brevard County, Florida
Citizens-Accepted Reports | Starting at $120 | 24-Hour Turnaround | (321) 259-2868
What Is a 4-Point Inspection?
A 4-point inspection is a focused evaluation of the four critical systems in your home: the roof, HVAC (heating and cooling), electrical system, and plumbing. Unlike a full home inspection, which covers every aspect of the property, a 4 point inspection is specifically designed to satisfy insurance carrier requirements.
In Florida, most insurance companies — including Citizens Property Insurance Corporation — require a 4-point inspection for any home that is 20 years old or older before they will issue or renew a homeowner’s policy. This is because older homes carry higher risk, and insurers want documented proof that the core systems are in adequate, insurable condition.
The inspection takes approximately 30–45 minutes at the property. Your report is delivered within 24 hours
What the 4-Point Inspection Covers
Here’s exactly what we examine during each of the four inspection points:
1. Roof System
We document the roof's covering material, estimated age, visible condition, and signs of damage, leaking, or wear. The roof is the #1 concern for Florida insurers — we note the remaining useful life and any areas of concern.
2. HVAC System
We inspect your heating and air conditioning equipment — age, condition, manufacturer, and whether the system is functional. Systems over 20 years old may trigger insurer requirements for repair or replacement.
3. Electrical System
We inspect your main electrical panel, sub-panels, wiring type, and visible electrical condition. Certain wiring types — such as aluminum branch wiring — require specific documentation. Our updated Citizens forms (March 2025) include additional aluminum wiring questions.
4. Plumbing System
We document your water supply and drain materials, water heater age and condition, and visible plumbing condition. We use the updated Citizens 4-point form (March 2025) now requires additional documentation including TPR valve photos and detailed plumbing age records.
Who Needs a 4-Point Inspection?
- Homeowners with homes 20+ years old
- Anyone applying for a new homeowner's insurance policy
- Homeowners switching insurance carriers
- Citizens Property Insurance applicants and renewals
- Home buyers (at their insurer's request)
Citizens form update
Updated for Citizens' March 2025 Form Requirements
Citizens Property Insurance updated its 4-point inspection requirements in March 2025. Key changes include additional aluminum wiring documentation, TPR valve photo requirements, expanded HVAC questions, and more detailed plumbing age documentation. We use the current updated form on every inspection — Guaranteed.
4-Point Inspection Pricing
$120
Starting price — single family home
- Starting at $120 (most homes)
- Price based on home square footage
- No hidden fees
- Citizens-accepted report included
- Digital delivery within 24 hours
- High-res photos
- March 2025 form
Ready to Schedule Your 4-Point Inspection?
Call (321) 259-2868 or book online.
Common Questions About 4-Point Inspections in Brevard County Florida
Straight answers — no jargon.
A 4-Point Inspection evaluates the roof, electrical, plumbing, and HVAC systems. It is required by most Florida insurance companies for older homes.
Insurance carriers use the 4-Point Inspection to determine the condition and risk level of the home’s major systems before issuing or renewing a policy.
It includes documentation of the roof age and condition, electrical panel and wiring, plumbing system materials, and HVAC age and functionality.
Most 4-Point Inspections take 30–60 minutes depending on the home’s size and accessibility.
You will receive your completed 4-Point Inspection Report the next business day, formatted for all major Florida insurance carriers.
Yes. At The Brevard Inspector LLC, every full home inspection includes a discounted 4-Point Inspection if requested for insurance.
Pricing varies based on the home, but standalone 4-Point Inspections typically start at $120. Call (321) 259‑2868 for exact pricing.
We serve all of Brevard County including Melbourne, Palm Bay, Viera, Cocoa, Titusville, Merritt Island, and surrounding areas. As well as Indian River County.