4 Point

With the ever-changing home owners insurance market in Florida, most homes over 20 years old will need an inspection called the Four (4) Point Insurance Inspection. These are usually needed when the home owner changes insurance companies or their current insurer drops them and cancelled their policy. Additionally a home that is over 50 years old will most likely be put in the insurance pool called Citizens Insurance and will need a Citizens Insurance Inspection that is similar to the 4 Point Inspection, except that it must be completed by an ASHI certifed inspector, a NACHI certified inspector or equivalent.

The 4 Point Insurance Inspection was created after Hurricane Andrew struck Florida in 1992. It is completed on behalf of the insurance companies and, typically, as a requirement for the insurer to offer insurance to the home owner. After 2004?s barrage of hurricanes that affected Florida, the 4 Point Insurance Inspection has taken on added importance. As insurance companies are beginning to see the benefit of the inspection, the program is spreading to other areas of the country. The benefit to the insurance company is, obviously, reduced loss risk on home owners insurance policies. This is an area of business that has, for many years, been a money loser for insurance companies.

In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA.) This resulted in the creation of Citizens Property Insurance Coporation (Citizens), which more efficiently and effectively provides insurance to, and serves the needs of, home owners in high-risk areas and others who cannot find coverage in the open, private insurance market. It is funded by premiums paid by the insured and from other insurance companies paying into the program to reduce their overall losses.

What is inspected?
  • HVAC (Heating, Ventilation and Air Conditioning)
  • Electrical wiring and panels
  • Plumbing connections and fixtures
  • Roof