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4-Point Inspections: A Florida Seller's Guide
Florida insurers usually require a 4-point inspection on older homes before they'll write a policy. If your home is older, getting one before you list avoids a last-minute deal killer.
Days to go live are business days, counted once every document required of the seller is completed and e-signed.
What to know
The four pointsSystem What insurers look for Roof Age, condition, remaining life, leaks Electrical Panel type and age, wiring type, hazards Plumbing Pipe material,…
| System | What insurers look for |
|---|---|
| Roof | Age, condition, remaining life, leaks |
| Electrical | Panel type and age, wiring type, hazards |
| Plumbing | Pipe material, leaks, water heater age |
| HVAC | Age and working condition |
When it's neededMany insurers require it for homes roughly 25-30 years or older; the cutoff varies by company. Certain panel brands, older wiring, or an aging roof…
Many insurers require it for homes roughly 25-30 years or older; the cutoff varies by company. Certain panel brands, older wiring, or an aging roof can make a home hard to insure.
Why sellers should get one firstFind insurance problems before a buyer does. Fix or price around them on your terms. Give buyers confidence they can get coverage quickly.
- Find insurance problems before a buyer does.
- Fix or price around them on your terms.
- Give buyers confidence they can get coverage quickly.
Questions, answered
Who orders the 4-point inspection?Usually the buyer's insurer requires it, but sellers of older homes often get one before listing.
Usually the buyer's insurer requires it, but sellers of older homes often get one before listing.
How old does a home need to be?Many insurers require it around 25-30 years; it varies by company.
Many insurers require it around 25-30 years; it varies by company.
Is a 4-point the same as a full inspection?No. It covers only roof, electrical, plumbing, and HVAC for insurance purposes.
No. It covers only roof, electrical, plumbing, and HVAC for insurance purposes.
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Updated October 2026. General information, not legal or tax advice.