Home insurance guide
Four-Point Inspections in Florida: What Homeowners Should Know
Understand the four systems reviewed in a Florida four-point inspection, how it differs from wind mitigation, and what to prepare for a home insurance review.
Last updated October 17, 2026
What does a four-point inspection check?
A four-point inspection documents the age, type and condition of four major home systems for an insurance underwriting review. It is not a full home inspection and does not guarantee that coverage will be offered.
- Roof: material, age, condition and evidence of leaks or deterioration.
- Electrical: wiring, panels and visible hazards or deficiencies.
- Plumbing: piping, water heater and evidence of leaks or deterioration.
- Heating and cooling (HVAC): equipment, age, condition and heating-system concerns.
When might an insurer require one?
Requirements vary by insurer, property and application. Citizens currently requires a four-point inspection for property owner, dwelling and mobile home applications for properties more than 20 years old. That is a Citizens application requirement, not a universal Florida rule for every insurer or a blanket renewal requirement. Confirm the requirements for your particular policy before ordering an inspection.
Citizens’ guidance says serious hazards or deficiencies, such as exposed wiring or active leaks, should be repaired before an application is submitted. An inspection report helps the insurer evaluate eligibility; it does not require the insurer to accept the risk.
Who can complete the inspection?
For Citizens, use a verifiable Florida-licensed professional who qualifies under the current inspection form’s instructions. An alternate form may be acceptable if it meets Citizens’ criteria, including the inspector’s signature and license details, required system information and photographs. Ask your agent to confirm the acceptable form and professional before booking.
How to prepare for the appointment
- Ask which report, photographs and inspector qualifications your insurer requires.
- Gather any roof replacement records, permits and system repair or upgrade documentation you have.
- Arrange safe access to the areas the inspector needs; leave electrical panel work to qualified professionals.
- Discuss known leaks, wiring concerns or equipment issues with your agent and qualified repair professionals.
- Send the completed report to your agent and ask whether any repairs or additional documentation are needed.
Is this the same as wind mitigation?
No. A four-point inspection focuses on the condition of the four major systems. A wind mitigation inspection documents construction features that may reduce wind damage and may qualify for premium discounts. A four-point report alone is not a promise of lower premiums. Citizens also has separate documentation requirements for certain older roofs; confirm whether a roof report is needed in addition to a four-point report.
How much does it cost, and how long is it accepted?
Ask the inspection provider for a price and the insurer for its report-age requirements. There is no single price or acceptance period established here for every Florida insurer. A previously completed report may not satisfy a different insurer’s current requirements.
Before comparing home insurance
Have your property address, year built, roof details, current coverage and any inspection or repair records ready. A licensed professional can help identify the documentation needed for the carriers being considered. Do not cancel existing coverage until any replacement policy is confirmed and effective.
Official sources
Source guidance checked October 17, 2026. Carrier requirements may change.
Important information
This information is general and educational. It is not an offer of insurance, a policy interpretation, or a promise of coverage. Coverage, availability, and terms depend on the policy issued, the carrier, underwriting, and applicable state law.