Four Point Inspection

Four Point Inspection in Central Florida

When you live in Florida, home insurance isn’t just a choice—it’s a necessity. From hurricanes to everyday wear and tear, insurance companies want to know the condition of older homes before they provide coverage. That’s where a Four Point Inspection comes in.



At Full Circle Home Inspectors, we provide detailed Four Point Inspections across Lake County, Marion County, Sumter County, and surrounding areas. Our certified team delivers the reports insurers require, while giving you a clear picture of your home’s condition.

What Is a Four Point Inspection?

A Four Point Inspection is a focused home inspection that evaluates four major systems in your home:


  1. Roof

  2. Electrical System

  3. Plumbing System

  4. HVAC (Heating, Ventilation, and Air Conditioning)

Unlike a full buyer’s inspection, which covers every part of the home, a Four Point Inspection zeroes in on the areas that present the biggest risks for insurance providers.


This inspection is often required for most homes in Florida, including new construction

Why Do Insurance Companies Require It?

Florida’s weather and aging homes can make insurance companies cautious. They want to minimize their risk by knowing that the home they’re insuring is safe and properly maintained.


For example:



  • A deteriorated roof could lead to leaks and expensive water damage.

  • Outdated wiring may increase fire risk.

  • Old plumbing might burst or corrode, causing costly flooding.

  • A failing HVAC system could signal bigger underlying issues.

By requiring a Four Point Inspection, insurers ensure the home is insurable, and in some cases, determine your premium rates.

What We Look for in Each System

1. Roof Inspection

Your roof is your home’s first line of defense against Florida’s intense sun, heavy rain, and hurricane winds. During the inspection, we check:



  • Roof age and type (shingle, tile, metal, flat, etc.)

  • Overall condition (wear, leaks, damage)

  • Signs of deterioration, missing shingles, or weak spots

  • Expected remaining life of the roof

Insurance companies often require the roof to have at least 3–5 years of remaining life to issue or renew coverage.

2. Electrical System

Faulty wiring is one of the leading causes of home fires. We examine:


  • Type of wiring (aluminum, copper, knob-and-tube, etc.)

  • Electrical panel brand and condition

  • Circuit breakers and grounding

  • Visible safety hazards

  • Any outdated equipment

Many insurers will not cover homes with certain electrical panel brands or old wiring methods due to fire risks.

3. Plumbing System

Water damage can be one of the most expensive issues in a home. Our plumbing inspection includes:



  • Visible supply and drain lines

  • Type of piping (copper, galvanized, polybutylene, etc.)

  • Signs of corrosion or leaks

  • Hot water heater age and condition

Some materials, like polybutylene piping, are known for frequent failures and may cause insurers to deny coverage.

4. HVAC System

Florida heat makes a working air conditioning system essential. We review:



  • Age and condition of the AC unit

  • Heating components

  • Signs of leaks or poor maintenance

  • Visible safety issues

Insurers want to see that the system is functional, safe, and not a major risk for future breakdowns.

Who Needs a Four Point Inspection?

A Four Point Inspection is typically required if:


  • You are switching insurance providers

  • Your policy is up for renewal and your insurer requests it

  • You are buying a home and the insurer requires it before issuing coverage

This inspection is especially common in Central Florida communities like:


  • The Villages (Sumter County) – where many retirees purchase older homes.

  • Ocala/Marion County – with ranch-style homes and farm properties.

  • Lake County – home to many lakeside communities with aging properties.

Even if not required, many homeowners choose this inspection voluntarily to get a clear picture of their home’s condition.

Benefits of a Four Point Inspection

  • Insurance Approval – Without this report, many insurers will not issue coverage for older homes.

  • Potential Premium Savings – A positive report may help you qualify for lower rates.

  • Peace of Mind – Know the true condition of your home’s major systems.

  • Negotiation Tool – Buyers can use the report to negotiate repairs or price reductions.

  • Prevent Future Problems – Uncover issues early before they become costly repairs.

How Long Does It Take?

A Four Point Inspection usually takes 1–2 hours, depending on the home’s size and condition. You will receive a detailed report the same day, complete with photos and notes for your insurance provider.

Four Point vs. Full Home Inspection

It’s important to understand that a Four Point Inspection is not a substitute for a full buyer’s home inspection. While the Four Point focuses on the four key systems for insurance, a full home inspection examines the entire property—including the foundation, exterior, appliances, attic, insulation, and more.



If you’re purchasing a home, we recommend scheduling both inspections. The Four Point satisfies the insurance company, while the full inspection protects your investment.

Why Choose Full Circle Home Inspectors?

At Full Circle Home Inspectors, we bring local expertise and certified training to every inspection. We understand what insurance companies look for and what homeowners in Florida need to feel secure.



  • Certified and Experienced – Our team has years of experience with Florida homes and insurance requirements.

  • Fast and Accurate Reports – Delivered promptly so you can keep your insurance or real estate process moving.

  • Local Knowledge – We understand the challenges of Florida living, from hurricanes to humidity.

  • Trusted by Realtors and Homeowners – We are the inspection team that Central Florida professionals rely on.

Frequently Asked Questions About Four Point Inspections

  • Do all homes need a Four Point Inspection?

    Not always, but in today’s insurance climate, the insurance companies are requesting a four point on most homes including new construction. 

  • Will I fail a Four Point Inspection?

    This isn’t a pass/fail inspection. The report provides details for the insurance company, which then decides if coverage will be issued.

  • What if my home doesn’t meet requirements?

    If issues are found, you may need to repair or replace certain systems before coverage can be approved.

  • How much does a Four Point Inspection cost?

    Pricing depends on your location and property size. Contact us for a personalized quote.

  • Can I combine this with other inspections?

    Yes! Many homeowners schedule a Four Point alongside a Wind Mitigation Inspection to maximize insurance savings.

Schedule Your Four Point Inspection Today

If you’re buying an older home, renewing your policy, or switching insurance providers, a Four Point Inspection is essential. At Full Circle Home Inspectors, we make the process simple, thorough, and reliable.

Protect your investment. Secure your insurance. Gain peace of mind.

With Full Circle Home Inspectors, you’ll always know the full story of your home.