Free 4 Point Inspection Template

• Ensure the form is completed by a Florida-licensed inspector. This is crucial for the inspection to be valid.

• Include the insured/applicant's name, application/policy number, and the address inspected at the top of the form.

• Provide minimum photo documentation for each system: dwelling, roof, plumbing, and electrical. Photos must show all required aspects clearly.

• Document the condition of the roof and include details about its age and remaining useful life. This information helps assess potential risks.

• Clearly indicate any hazards or deficiencies found during the inspection. This includes issues like exposed wiring or leaks.

• Make sure to assess the HVAC system and note its operational status. Include details about the last servicing date and any visible issues.

• Check the plumbing system for leaks and the condition of fixtures. Be thorough in noting any prior or active leaks.

• Use the additional comments section to provide any necessary explanations or observations about the property’s condition.

• Before submission, the writing agent should review the form to ensure compliance with all requirements. This helps avoid delays in the application process.

When filling out the 4 Point Inspection form, consider the following guidelines:

• Ensure all sections of the form are completed accurately.
• Provide clear and detailed descriptions of any hazards or deficiencies.
• Attach the required photographs for each system being inspected.
• Have the form signed and dated by a Florida-licensed inspector.

However, avoid these common mistakes:

• Do not leave any sections blank; all information is essential.
• Avoid using outdated or irrelevant documentation.
• Do not submit the form without the necessary photos.
• Refrain from having an inspector sign off on sections outside their expertise.

The 4-Point Inspection Form is essential for evaluating the insurability of a property, particularly in Florida. However, several other documents often accompany this form to provide a comprehensive overview of the property's condition and compliance with safety standards. Below is a list of commonly used forms and documents that may be required alongside the 4-Point Inspection Form.

• Home Inspection Report: This detailed report covers the overall condition of the home, including structural integrity, safety issues, and maintenance needs. It often includes findings on the roof, foundation, and major systems like plumbing and electrical.
• Roof Inspection Report: A specialized document focusing solely on the roof's condition. It assesses materials, potential leaks, and remaining useful life, providing crucial information for insurance underwriting.
• HVAC Inspection Report: This report details the condition of heating, ventilation, and air conditioning systems. It includes information about maintenance history and any necessary repairs, ensuring that these systems are functioning properly.
• Plumbing Inspection Report: This document evaluates the plumbing system's condition, including pipes, fixtures, and potential leaks. It helps identify any issues that could affect the property's insurability.
• Electrical Inspection Report: A thorough examination of the electrical systems within the property. This report outlines the condition of wiring, panels, and any hazards, which is vital for safety and compliance.
• Hold Harmless Agreement: To safeguard against potential liabilities, ensure you review the Illinois Hold Harmless Agreement form guidelines which outline essential responsibilities and protect your interests.
• Insurance Application: This form collects essential information about the property and the applicant. It typically includes details like the property's address, ownership, and coverage needs, facilitating the underwriting process.
• Supplemental Documentation: This may include any additional certifications or reports, such as those confirming repairs to specific systems (e.g., electrical or plumbing), which provide further assurance of the property's condition.

Understanding these documents is crucial for homeowners and agents alike. Each plays a role in ensuring that a property meets safety standards and is insurable. By gathering and reviewing these forms, you can help facilitate a smoother underwriting process and protect the interests of all parties involved.

What is a 4 Point Inspection Form?

The 4 Point Inspection Form is a document used primarily in Florida to assess the condition of four key systems in a home: the roof, electrical system, HVAC (heating, ventilation, and air conditioning), and plumbing. This form must be completed by a licensed Florida inspector and includes essential details such as the age of each system, any visible hazards, and the overall condition. It is a critical tool for insurance underwriting, helping insurers determine a property's insurability based on the current state of these systems.

Who can complete the 4 Point Inspection Form?

A Florida-licensed inspector must complete the 4 Point Inspection Form. Acceptable professionals include general contractors, residential contractors, building code inspectors, and home inspectors. It is important to note that trade-specific licensed professionals may only sign off on the section of the form relevant to their trade. For example, an electrician can only complete the electrical section.

What are the minimum photo requirements for the form?

Each 4 Point Inspection Form must be accompanied by photographs that meet specific requirements. These include:

1. Each side of the dwelling
2. Each slope of the roof
3. Water heater, under cabinet plumbing/drains, and exposed valves
4. Main electrical panel with the interior door open
5. Electrical box with the panel off
6. Any noted hazards or deficiencies

These photographs help provide a visual record of the property's condition and support the findings documented in the inspection form.

What happens if deficiencies are noted during the inspection?

If any deficiencies or hazards are identified during the inspection, the inspector must provide detailed comments in the form. This includes descriptions of the issues and any visible signs of damage. The overall condition of each system must be assessed as either satisfactory or unsatisfactory. If a system is determined to be unsatisfactory, it is crucial to explain why and outline any recommended actions. The inspector's comments will play a significant role in the underwriting process for insurance coverage.