4-Point Inspections
The Four Point Insurance Inspection was established in response to the devastating impact of Hurricane Andrew on Florida in 1992. This inspection is conducted on behalf of insurance companies and is typically a prerequisite for homeowners seeking insurance coverage. Following the onslaught of hurricanes in Florida between 2004 and 2005, the Four Point Insurance Inspection has gained even greater significance. Recognizing the advantages of this inspection, insurance companies are now implementing it in various regions across the country. The primary benefit for insurance companies is the evident reduction in the risk of losses associated with homeowners insurance policies.
In 2002, the Florida Legislature enacted a law that merged the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) with the Florida Windstorm Underwriting Association (FWUA). This merger led to the establishment of Citizens Property Insurance Corporation (Citizens), which efficiently and effectively provides insurance coverage to homeowners residing in high-risk areas and those who struggle to find coverage in the private insurance market. Citizens is funded through premiums paid by policyholders and contributions from other insurance companies, which helps mitigate their overall losses.
Insurance companies expect the components mentioned above to be in proper working order, functioning as intended according to the manufacturer's specifications. The evaluation of these components is based on the following criteria:
1. Current operating conditions
2. Scheduled maintenance requirements
3. Expected service life
By adhering to these criteria, insurance companies can ensure that the insured properties meet the necessary standards for coverage.
Is there a standard form to fill out?
There is currently no universally recognized standard form for conducting a Four Point Inspection within the industry. While certain insurance companies may offer their own specific forms, the majority of insurance providers will accept forms completed by qualified professionals from reputable home inspection companies. In order to address this need, we have taken the initiative to develop a comprehensive form that fulfills the requirements of all insurance companies operating in Florida. These forms are meticulously filled out by myself, a Licensed Electrician, as well as a Certified and Licensed Property Inspector. By adhering to these high standards, we ensure the utmost professionalism and accuracy in our inspections, providing our clients with the peace of mind they deserve.
Can I fill out the form myself?
Insurance companies want these forms filled out by certain qualified individuals such as a licensed Professional Engineer, Electrician, General or Roofing Contractor and Certified Property Inspector.
I had a home inspection before I purchased the home. Can I use that report instead of getting a Four Point Inspection Report?
Insurance companies prefer concise reports that focus solely on specific information about the HVAC, plumbing, electrical system, and roof. These reports should be limited to 4 to 6 pages and must be signed. The Four Point Insurance Inspection program is gaining popularity and is expected to continue expanding as insurance companies recognize the value and cost-saving benefits of this inspection. At Florida State Property Inspections, we take pride in offering four point insurance inspections as part of our comprehensive range of inspection services. We serve all major cities in South Florida, including Homestead, Perrine, Kendall, Miami, Miami Beach, Pembroke Pines, Carol City, Miami Gardens, Hollywood, and many more. Contact us for your next inspection and discover why property owners and real estate professionals highly recommend our services.