4-POINT INSPECTION
The four systems your insurer asks about
Insuring or renewing coverage on an older Florida home? A 4-point inspection gives your carrier the roof, electrical, plumbing, and HVAC report they require.
WHY YOU NEED ONE
Required to bind or renew on older homes
Most Florida carriers require a 4-point inspection before they’ll write or renew a policy on a home over about 30 years old. It’s a focused look at the four systems most likely to cause a claim — and a clean report keeps your coverage on track and your rate fair.
Roof
Covering type, age, and remaining service life — the first thing a carrier wants to know.
Electrical
Panel, wiring type, and visible safety concerns (including outdated or recalled equipment).
Plumbing
Supply and drain materials, water heater, and any signs of active leaks or aging pipe.
HVAC
Heating and cooling equipment, age, and whether it's operating as it should.
Need a 4-point for your policy?
Book a Safe Harbor 4-point inspection and get the clear, carrier-ready report your insurer is asking for.