4-Point Insurance Inspection
A focused inspection of your home's four critical systems, often required by insurance companies before issuing or renewing coverage.
Book NowWhat is a 4-Point Inspection?
A 4-point inspection is a limited property inspection focused on four key home systems. Insurance companies use these inspections to evaluate risk before providing coverage, especially for older homes or recently renovated properties in Florida.
The Four Points
Roof
Age, material, condition, and remaining useful life of the roofing system.
Electrical
Panel type, wiring condition, amperage, and safety of the electrical system.
Plumbing
Pipe material, water heater age and condition, and overall plumbing system health.
HVAC
Age, type, and working condition of heating, ventilation, and air conditioning systems.
What Happens After?
Your inspector provides a report outlining the condition of each system with recommendations. Insurance companies use this to determine coverage terms — homes in good condition may receive favorable rates, while significant issues may need to be addressed before coverage is provided.
This is intentionally a limited inspection. For a comprehensive evaluation, consider pairing it with a full home inspection.
Why Choose Noble Property Inspections for Your 4-Point Report
Getting a 4-point report is not just a checkbox — it directly affects your ability to obtain homeowners insurance and the premium you'll pay. Noble Property Inspections delivers accurate, insurer-accepted 4-point reports backed by certified inspectors with deep experience in Florida's unique insurance requirements.
- OIR-B1-1802 compliant reports accepted by all Florida insurance carriers
- Certified inspectors with direct experience documenting insurer-flagged conditions
- Same-day digital delivery — no waiting days for your report
- Clear, photograph-documented findings for each of the four systems
- Option to combine with wind mitigation report for maximum insurance savings
Our 4-point reports give you and your insurer a clear, defensible record of your home's major system conditions. Whether you're buying, selling, or renewing a policy, Noble delivers the documentation you need — fast.
Markets We Serve
Noble Property Inspections provides 4-point inspections across 14 markets in 6 states. Click your city to learn more.
Why Insurance Companies Require a 4-Point Inspection
Insurance carriers — particularly in Florida — require a 4-point inspection before issuing or renewing a homeowners policy on homes that are 20–30 years or older. The inspection focuses exclusively on the four major systems most likely to generate costly insurance claims: the roof, electrical system, plumbing system, and HVAC.
Unlike a full home inspection, a 4-point report is not meant to uncover every defect. It is a snapshot of the condition and age of these systems. An insurer uses it to determine underwriting eligibility — whether to offer coverage, at what premium, and with what exclusions.
What Inspectors Look For
- Roof: Age, covering material, condition, life expectancy remaining, and evidence of leaks or prior repairs.
- Electrical: Panel type and condition, presence of aluminum wiring, double-tapped breakers, Federal Pacific or Zinsco panels (commonly flagged by insurers).
- Plumbing: Supply and drain pipe materials (copper, CPVC, PVC, polybutylene), visible leaks, water heater age and condition.
- HVAC: System age, last service date, condition of furnace, air handler, condenser, and visible ductwork.
Noble Property Inspections delivers 4-point reports on the OIR-B1-1802 form accepted by all Florida insurance carriers. Reports are signed by a certified inspector and delivered the same day.
