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Certified Four Point Insurance Inspections
Only $100
Call Toll Free 1-866-499-1451
Please be aware the Inspection Profession in Florida is considered an unregulated business, there is currently no licensing provision for Home Inspectors, due to this fact there are many unqualified individuals soliciting insurance inspection work. Be advised that insurance companies have requirements and will not accept inspections from non-certified inspectors; Roof and electrical systems must be inspected by certified individuals or policies can be denied.
To bypass the insurance company requirements most non-certified inspectors employ licensed general contractors & electricians to sign off on their inspection documents. The effect of having contractors involved with insurance inspections drives up the cost for policyholders in two ways; first there are more people doing the inspection who must be paid for their time, and secondly there are unscrupulous contractors who attempt to enrich themselves by pressuring homeowners into purchasing unnecessary repairs.
Inspections performed by Four Point Florida or one of our listed affiliates are guaranteed to be accepted by every insurance company doing business in the state of Florida or your money back. We can make this claim because all of our inspectors are insurance company approved ICC Certified Inspectors who more importantly, do not perform repair work. By using Four Point Florida you are guaranteed a fair price for an approved inspection and will never be pestered by contractors selling needless repairs.
The Four Point Insurance Inspection was created after Hurricane Andrew struck Florida in 1992. It is performed on behalf of the insurance companies and, typically, as a requirement for the insurer offering insurance to the new homeowner. After last year's barrage of hurricanes in Florida, the Four 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 homeowners 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 Corporation (Citizens), which more efficiently and effectively provides insurance to, and serves the needs of, homeowners 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.
The Four Point Insurance Inspection consists of a visual survey of the following four primary components:
Roof
Electrical
HVAC System
Plumbing
The insurance companies are expecting the condition of the components listed above to be working as intended within the manufacturer’s specifications. The criteria used to judge the components include:
- Current operating conditions
- Scheduled maintenance requirements
- Expected service life
Is there a standard form to fill out?
There is no industry wide standard form for a Four Point Inspection. Some insurance companies provide their own forms; however, most insurance companies will accept forms from companies that perform home inspections provided that they are filled out by qualified individuals. Square-One Inspection Service has developed a form that meets the requirements of most insurance companies in Florida. They are signed by an ICC Certified Inspector (search for Burkeson).
Can I fill out the form myself?
Insurance companies want these forms filled out by certain qualified individuals such as a licensed Professional Engineer, Electrician, General or Roofing Contractor and Certified Home Inspector.
I had a home inspection before I purchased the home. Can I use that report instead of getting a Four Point Inspection Report?
The insurance companies do not want large reports that contain other information. They want only specific information about the HVAC, plumbing, electrical system and roof in a short one or two page signed document.
In summary, the Four Point Insurance Inspection program is gaining in popularity and will likely continue to expand as the insurance companies recognize the value of the inspection and the savings benefits it provides to the insurance carrier. Square-One Inspection Service is proud to offer four point insurance inspections as part of our full line of inspection services.
Click here to download a PDF Sample 4-Point Inspection Report.
Click Links to other Certified Insurance Inspectors outside of the Greater Tampa Bay area.
For Orlando, Brevard or the SpaceCoast of Florida
For Jacksonville.
For Ocala.
Miami / Dade - Broward - Palm Beach Counties
Inspect Net, Inc. ........... Dave Thomas
For Gainesville.
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