Are you considering purchasing a home soon? If so, it’s essential to take time to consider all of your options. For prospective buyers to be aware of any potential issues with the home they are interested in, having a 4-point home inspection is critical. This type of inspection evaluates four major categories that can lead to costly repairs if left unnoticed: Electrical systems, HVAC systems (heater and air conditioner), plumbing systems (water piping and sewer), and roofing. Through this process, homeowners can gain valuable insight about their future homes before signing on the dotted line and save themselves from potentially costly surprises down the road. Read on to learn about what is a 4-point inspection in Orlando.

What is a 4-Point Inspection?

A 4-Point Inspection is a specialized home inspection that assesses the condition of four major systems of a house: electrical system, plumbing, HVAC, and roofing. This four point inspection aims to identify potential safety issues, defects, or hazards in these systems that may put the house’s occupant at risk. You can hire a  licensed home inspector in Orlando who will conduct the inspection and provide a detailed report of their findings, explaining the condition of each system and indicating whether any repairs or upgrades are necessary.

Why Do I Need a 4-Point Inspection?

If you’re planning to buy an older house, it’s highly recommended to have a 4-Point Inspection done. A homeowners insurance company may even require it before issuing a policy. This inspection will give you a clear understanding of the condition of major systems in your house, allowing you to make informed decisions about necessary repairs and estimated costs. This will also prevent any surprise hazards in the future and give you peace of mind about your safety and investment. Overall, a four-point inspection is a valuable investment in the safety and longevity of your home.

4-Point Inspection vs. Full Inspection

When purchasing a home or insuring an existing one, homeowners may hear the terms “4-point inspection” and “full inspection” tossed around. While both involve assessing the home’s condition, fundamental differences exist. A four-point inspection focuses on the four main systems in a home – HVAC, plumbing, electrical, and roof – while a full inspection covers these areas and more, such as structural integrity and insulation. Depending on the situation, homeowners may need one or both to fully understand their home’s condition. If you plan to insure your home, the insurance company can request a four-point inspection report.

What’s Included in a 4-Point Inspection?


During a 4-point inspection, a qualified inspector will examine the roof’s overall condition, including its age, materials, and signs of wear and tear. They will check the flashing, vents, and chimney for damage or leaks that could compromise the roof’s structural integrity. The roof inspection focuses on identifying any existing or potential issues that could lead to water damage, leaks, or the need for a roof replacement.


The 4-point inspection thoroughly examines the home’s electrical systems, such as electrical panels, wiring, outlets, and switches. The inspector will check for any potential hazards, including outdated or defective wiring, overloaded circuits, and faulty electrical panels. The inspection helps identify electrical problems or hazards that should be addressed before they lead to costly repairs, safety hazards, or even fires.


The plumbing inspection covers all the components, including the water main, pipes, drains, and fixtures. The inspector will look for leaks, water damage, low water pressure, and other potential issues that could affect the plumbing system’s functionality. They will also check the water heater and ensure it is in good working condition and meets local building codes.

HVAC Systems

The HVAC inspection focuses on heating, ventilation, and air conditioning systems. The inspector will evaluate the units’ age, condition, and performance, test for proper operation, and check for potential hazards, such as carbon monoxide leaks. The inspection also verifies that the system meets local building codes and is energy-efficient. Any repairs or replacement needs will be noted in the final 4-point inspection report.

What Does 4-Point Insurance Cover?

A 4-point insurance inspection is a requirement by most insurance providers for older homes. This type of inspection covers four primary systems in a home: the roof, HVAC system, electrical system, and plumbing. The inspection is designed to determine the condition and age of each of these systems and identify any potential hazards that may cause harm or damage to the property. 4-point insurance aims to ensure that your home meets the minimum safety standards and is in good condition. Connect with a reliable company offering 4-point inspection in Orlando to get a detailed report.

How Do I Prepare for a 4-Point Inspection?

To prepare for a 4-point inspection:

  • Ensure that all the systems that will be inspected are functioning correctly. This includes ensuring that the plumbing and electrical systems are in good working order, there are no leaks, and the HVAC system is functioning.
  • Check the roof for any signs of damage and make any necessary repairs.
  • Ensure that you also have all the necessary documents, such as maintenance records, to provide to the inspector.
  • Ensure that there is easy access to all areas the inspector will need to evaluate.

How to Pass a 4-Point Inspection As Required By a Homeowners Insurance Company?

To pass a 4-point inspection, ensure that the systems inspected; specifically the roofing, plumbing, electrical, and HVAC systems, are in good working condition. Any faults or defects noted during the inspection should be addressed and corrected before the inspector returns for a re-inspection. The inspection will also check for any safety hazards, such as exposed wiring, pipes, or leaks. Regular maintenance of these systems is key to passing the inspection and ensuring that your home is safe and sound. Working with a certified and reputable inspector is also essential to ensure a thorough and proper inspection. If the inspection checkmark all the insurance companies underwriting guidelines, then your property will be eligible for home insurance coverage.

How Long Does it Take for a 4-Point Inspection?

Four-point inspections typically take 1-2 hours to complete, depending on the property’s size and age. This type of inspection requires a detailed examination of the four main components of a home or building: HVAC, electrical, plumbing, and roof. A thorough inspection is crucial to ensure that the property meets the insurance company’s standards and mitigates the risk of future claims. Your insurance agent may ask for a detailed four point inspection report covering the home’s major systems to attach to the insurance file. You can ask the inspector to provide reports on the same day.

What are the Benefits of a 4-Point Inspection?

There are several benefits of a 4-point inspection, making it a wise investment for any property owner:

  • It can identify potential issues before they become major problems, such as electrical hazards or plumbing leaks.
  • It can help to lower insurance premiums, depending on the property’s condition.
  • It assures that the property is safe and structurally sound.
  • It can increase the property’s resale value by adding greater transparency to its condition.


A 4-point home inspection is an important part of any home-buying process. Buyers should be familiar with the four major areas inspected: the electrical, heating, and cooling systems, roof, and plumbing components. Hiring an experienced inspector who can provide detailed information regarding their findings and recommendations is also important. Homeowners thinking about putting their home on the market should consider getting a 4-point inspection to identify and repair any potential issues that may arise during an eventual buyer’s inspection. When it comes to investing in a new property, a thorough understanding of what problems may exist from the start is crucial. A 4-point home inspection can help buyers or sellers make informed decisions about purchasing or selling their home while developing greater peace of mind that their transaction will go as smoothly as possible.