4‑Point Inspections
in Martin, Palm Beach, St. Lucie & Indian River Counties
A 4‑point inspection is a required insurance evaluation in Florida, particularly for older homes and properties nearing 20 years or more in age. At Buyer Protection, we provide certified 4‑point inspections for homeowners in Martin County, Palm Beach County, St. Lucie County, and Indian River County. These inspections are designed to assess the four most critical systems of a home that determine risk and insurability: roofing, electrical, plumbing, and HVAC. Insurance carriers use the 4‑point inspection report to assess whether a property meets underwriting guidelines for new or renewed homeowner policies. It’s a focused, system-specific evaluation—not a full home inspection—and is often required before coverage can be issued or maintained.
What a 4‑Point Inspection Covers
The purpose of the 4‑point inspection is to identify the condition, age, and functionality of key building systems. Our inspectors evaluate each component according to insurance standards, taking into account regional climate, building age, and common system failures across South Florida.
Roofing System
We evaluate the current roof covering, material type, condition, and estimated remaining life. Roofing components like flashing, underlayment, and drainage are also inspected. We note visible signs of leaks, prior repairs, or deterioration. In storm-prone counties like Palm Beach and Indian River, insurance companies place significant weight on roof condition and documentation.
Electrical System
The electrical portion of the inspection includes the main panel, subpanels, wiring type, breaker systems, grounding, and bonding. We identify the presence of outdated or unsafe equipment such as aluminum branch wiring, Federal Pacific panels, or double-tapped breakers. Properties in St. Lucie and Martin Counties often include older electrical installations that must be evaluated for insurability.
Plumbing System
Our inspectors assess the age, material, and functionality of the visible plumbing system. This includes supply lines, drain lines, water heaters, and fixtures. Common materials like galvanized steel or polybutylene are documented, as these can affect insurance eligibility. We also check for visible leaks, corrosion, and improper installations that may increase risk.
HVAC System
We evaluate the heating, ventilation, and air conditioning system for age, installation type, operational condition, and visible damage. Central AC units, ductwork, and thermostats are reviewed for functionality and safety. In high-humidity zones like Palm Beach and St. Lucie Counties, HVAC systems are a crucial part of moisture and mold prevention.
Local Knowledge Matters
Buyer Protection performs 4‑point inspections across Martin County, Palm Beach County, St. Lucie County, and Indian River County. Each of these regions has its own property age patterns, weather conditions, and system wear trends.
In Martin County, older coastal homes often face HVAC corrosion and roofing wear from salt air. In Palm Beach County, insurance underwriters scrutinize electrical and plumbing systems due to past installations of now-obsolete materials. Our team is familiar with local issues and tailors each inspection accordingly.
When a 4‑Point Inspection Is Required
A 4‑point inspection is commonly requested by insurance carriers under specific conditions. While it does not replace a full home inspection, it plays a critical role in determining whether a home is eligible for insurance coverage.
For Homes Older Than 20 Years
Properties that are 20 years or older typically require a 4‑point inspection when applying for new coverage or renewing an existing policy. This is especially true for homes constructed before updated building codes were implemented in the early 2000s.
After Major System Updates
If you’ve recently replaced a roof, updated the electrical system, or completed plumbing improvements, a new 4‑point inspection can help qualify your property for coverage or improved policy terms.
When Switching Insurance Carriers
Insurance companies may require a fresh 4‑point inspection to confirm system conditions before issuing a new policy. This is especially common when homeowners shop for better rates or coverage.
During Real Estate Transactions
Buyers purchasing older homes often request a 4‑point inspection in parallel with a standard home inspection. This ensures that insurance coverage is available for closing and helps identify system upgrades that may be needed.
What the 4‑Point Inspection Report Includes
Our certified reports follow the standardized format recognized by Florida insurance carriers. Reports are delivered within 24 to 48 hours of the inspection and include:
System Age and Type
Each of the four systems is documented with make, model, age, and general condition. Photos of system components are included for visual reference.
Risk Factors and Safety Concerns
We identify materials or conditions that may disqualify a property from standard insurance, such as double-tapped breakers, old roofing, or polybutylene plumbing.
Notes on Repairs or Updates
If system upgrades have been completed, they are clearly outlined in the report to assist insurance underwriters in their evaluation process.
Inspector License and Certification
Each report is signed by a licensed home inspector qualified to perform 4‑point inspections in the state of Florida, meeting all documentation requirements.
Why You Should Not Delay Your 4‑Point Inspection
A delayed or incomplete 4‑point inspection can jeopardize your ability to bind coverage or close on a property. Even if you’ve made recent improvements, your insurer won’t apply credits or renew coverage without a verified inspection report. Our quick turnaround times and insurance-compliant formatting ensure that you meet all deadlines and avoid coverage lapses.
Schedule a 4‑Point Inspection with Buyer Protection
If you own or are purchasing a home in Martin County, Palm Beach County, St. Lucie County, or Indian River County and need a 4‑point inspection for insurance purposes, contact Buyer Protection today. Our licensed inspectors deliver precise evaluations, fast reports, and full compliance with Florida insurance standards.