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Free 4 Point Inspection Template

The 4-Point Inspection Form is a critical document used primarily in Florida to assess the condition of four essential systems in a home: the roof, electrical, HVAC, and plumbing. This form provides insurers with necessary information to evaluate a property’s insurability and helps identify any potential hazards or deficiencies that may affect the safety and functionality of these systems. Completed by a licensed inspector, the form not only outlines the current state of each system but also includes photographic evidence to support the findings.

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The 4 Point Inspection Form serves as a crucial tool in assessing the condition of a property, particularly for insurance purposes. This form requires a thorough evaluation of four major systems: the roof, electrical, HVAC (heating, ventilation, and air conditioning), and plumbing. Each section demands detailed information, including the age of the systems, any visible hazards, and general conditions. For instance, the electrical section prompts inspectors to note the type of wiring and any potential issues, while the HVAC section assesses whether the heating and cooling systems are functioning properly. Additionally, the plumbing portion requires inspectors to check for leaks and the condition of fixtures, ensuring that everything is in satisfactory working order. Photographic evidence is also a key component, with specific requirements for images of each side of the dwelling, roof slopes, and critical plumbing and electrical components. This comprehensive approach not only aids in determining insurability but also provides a snapshot of the property's overall health, helping both homeowners and insurers make informed decisions.

Key takeaways

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.

Dos and Don'ts

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.

Documents used along the form

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.

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Things to Know About This Form

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:

Each side of the dwelling
Each slope of the roof
Water heater, under cabinet plumbing/drains, and exposed valves
Main electrical panel with the interior door open
Electrical box with the panel off
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.

Preview - 4 Point Inspection Form

4-Point Inspection Form

Insured/Applicant Name:_________________________________________________ Application / Policy #:__________________________

Address Inspected:___________________________________________________________________________________________________

Actual Year Built:________________________		Date Inspected: ______________________________________________

Minimum Photo Requirements:
Dwelling: Each side	Roof: Each slope	Plumbing: Water heater, under cabinet plumbing/drains, exposed valves

Main electrical service panel with interior door label

Electrical box with panel off

All hazards or deficiencies noted in this report

A Florida-licensed inspector must complete, sign and date this form.

Be advised that Underwriting will rely on the information in this sample form, or a similar form, that is obtained from the Florida licensed professional of your choice. This information only is used to determine insurability and is not a warranty or assurance of the suitability, fitness or longevity of any of the systems inspected.

Electrical System

Separate documentation of any aluminum wiring remediation must be provided and certified by a licensed electrician.

Main Panel				Second Panel
Type:	Circuit breaker	Fuse		Type:	Circuit breaker Fuse
Total Amps: __________				Total Amps: __________
Is amperage sufficient for current usage?			Yes No (explain)	Is amperage sufficient for current usage?		Yes No (explain)

Indicate presence of any of the following:

Cloth wiring

Active knob and tube

Branch circuit aluminum wiring (If present, describe the usage of all aluminum wiring):

* If single strand (aluminum branch) wiring, provide details of all remediation. Separate documentation of all work must be provided.

Connections repaired via COPALUM crimp Connections repaired via AlumiConn

Hazards Present			Double taps
Blowing fuses			Exposed wiring
Tripping breakers			Unsafe wiring
Empty sockets			Improper breaker size
Loose wiring			Scorching
Improper grounding			Other (explain)
Corrosion
Over fusing

General condition of the electrical system:	Satisfactory	Unsatisfactory (explain)

Supplemental information

Main Panel	Second Panel	Wiring Type
Panel age: __________	Panel age: __________	Copper
Year last updated: __________	Year last updated:__________	NM, BX or Conduit
Brand/Model: __________	Brand/Model: __________

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4-Point Inspection Form

HVAC System

Central AC:	Yes	No
Central heat:	Yes	No

If not central heat, indicate primary heat source and fuel type: _________________________________

Are the heating, ventilation and air conditioning systems in good working order?						Yes	No (explain)
Date of last HVAC servicing/inspection: ______________

Hazards Present
Wood-burning stove or central gas fireplace not professionally installed?					Yes	No
Space heater used as primary heat source?			Yes	No
Is the source portable?	Yes	No

Does the air handler/condensate line or drain pan show any signs of blockage or leakage, including water damage to the surrounding area?

Yes No

Supplemental Information

Age of system: _____________

Year last updated: _____________

(Please attach photo(s) of HVAC equipment, including dated manufacturer’s plate)

Plumbing System

Is there a temperature pressure relief valve on the water heater?			Yes	No
Is there any indication of an active leak?	Yes	No
Is there any indication of a prior leak?	Yes	No
Water heater location: _______________________________________________

General condition of the following plumbing fixtures and connections to appliances:
Satisfactory Unsatisfactory		N/A		Satisfactory Unsatisfactory	N/A
Satisfactory Unsatisfactory		N/A		Satisfactory Unsatisfactory	N/A
Dishwasher				Toilets
Refrigerator				Sinks
Washing machine				Sump pump
Water heater				Main shut off valve
Showers/Tubs				All other visible

If unsatisfactory, please provide comments/details (leaks, wet/soft spots, mold, corrosion, grout/caulk, etc.).

Supplemental Information

Age of Piping System:		Type of pipes (check all that apply)
_____	Original to home	Copper
		Copper
_____	Completely re-piped	PVC/CPVC
		PVC/CPVC
_____	Partially re-piped	Galvanized
		Galvanized
(Provide year and extent of renovation in the comments below)		PEX
		PEX
		Polybutylene
		Other (specify)

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4-Point Inspection Form

Roof (With photos of each roof slope, this section can take the place of the Roof Inspection Form.)

Predominant Roof

Covering material: __________

Roof age (years): __________

Remaining useful life (years): __________

Date of last roofing permit: __________

Date of last update: __________

If updated (check one):

Full replacement Partial replacement

%of replacement: __________

Overall condition:

Satisfactory

Unsatisfactory (explain below)

Any visible signs of damage / deterioration?

(check all that apply and explain below)

Cracking

Cupping/curling

Excessive granule loss

Exposed asphalt

Exposed felt

Missing/loose/cracked tabs or tiles

Soft spots in decking Visible hail damage

Any visible signs of leaks? Yes No

Attic/underside of decking Yes No

Interior ceilings Yes No

Secondary Roof

Covering material: __________

Roof age (years): __________

Remaining useful life (years): __________

Date of last roofing permit: __________

Date of last update: __________

If updated (check one):

Full replacement Partial replacement

%of replacement: __________

Overall condition:

Satisfactory

Unsatisfactory (explain below)

Any visible signs of damage / deterioration?

(check all that apply and explain below)

Cracking

Cupping/curling

Excessive granule loss

Exposed asphalt

Exposed felt

Missing/loose/cracked tabs or tiles

Soft spots in decking Visible hail damage

Any visible signs of leaks? Yes No

Attic/underside of decking Yes No

Interior ceilings Yes No

Additional Comments/Observations (use additional pages if needed):

All 4-Point Inspection Forms must be completed and signed by a verifiable Florida-licensed inspector. I certify that the above statements are true and correct.

Inspector Signature	Title	License Number	Date

Company Name	License Type	Work Phone

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4-Point Inspection Form

Special Instructions: This sample 4-Point Inspection Form includes the minimum data needed for Underwriting to properly evaluate a property application. While this specific form is not required, any other inspection report submitted for consideration must include at least this level of detail to be acceptable.

Photo Requirements

Photos must accompany each 4-Point Inspection Form. The minimum photo requirements include:

•Dwelling: Each side

•Roof: Each slope

•Plumbing: Water heater, under cabinet plumbing/drains, exposed valves

•Open main electrical panel and interior door

•Electrical box with the panel off

•All hazards or deficiencies

Inspector Requirements

To be accepted, all inspection forms must be completed, signed and dated by a verifiable Florida-licensed professional. Examples include:

•A general, residential, or building contractor

•A building code inspector

•A home inspector

Note: A trade-specific, licensed professional may sign off only on the inspection form section for their trade. (e.g., an electrician may sign off only on the electrical section of the form.)

Documenting the Condition of Each System

The Florida-licensed inspector is required to certify the condition of the roof, electrical, HVAC and plumbing systems. Acceptable Condition means that each system is working as intended and there are no visible hazards or deficiencies.

Additional Comments or Observations

This section of the 4-Point Inspection Form must be completed with full details/descriptions if any of the following are noted on the inspection:

•Updates: Identify the types of updates, dates completed and by whom

•Any visible hazards or deficiencies

•Any system determined not to be in good working order

Note to All Agents

The writing agent must review each 4-Point Inspection Form before it is submitted with an application for coverage. It is the agent’s responsibility to ensure that all rules and requirements are met before the application is bound. Agents may not submit applications for properties with electrical, heating or plumbing systems not in good working order or with existing hazards/deficiencies.

Sample Form Insp4pt 01 18

Document Specifics

Fact Name	Description
Purpose	The 4-Point Inspection Form is used to assess the condition of four key systems in a home: the roof, electrical, HVAC, and plumbing systems. This assessment helps determine a property's insurability.
Inspector Requirement	A Florida-licensed inspector must complete, sign, and date the form. This ensures that the inspection meets state regulations and standards.
Photo Requirements	Minimum photo documentation is required for each side of the dwelling, each slope of the roof, and specific plumbing and electrical components. These photos support the findings of the inspection.
Governing Law	Under Florida law, specifically the Florida Statutes, the 4-Point Inspection Form must be completed by licensed professionals to ensure compliance with insurance underwriting standards.

How to Fill Out 4 Point Inspection

Filling out the 4 Point Inspection form requires attention to detail and accuracy. Each section of the form addresses different systems within the property, ensuring that all necessary information is collected. After completing the form, it must be signed and dated by a licensed Florida inspector to validate the findings.

Begin by entering the Insured/Applicant Name at the top of the form.
Fill in the Application / Policy # next to the name.
Provide the Address Inspected in the designated space.
Record the Actual Year Built of the property.
Indicate the Date Inspected in the appropriate field.
Gather and attach the required photos for each section:
- Each side of the dwelling
- Each slope of the roof
- Water heater, under cabinet plumbing/drains, exposed valves
- Main electrical service panel with interior door label
- Electrical box with the panel off
- Any hazards or deficiencies noted in the report
Complete the Electrical System section, noting the type of main and second panels, total amps, and any issues present. Be sure to explain if amperage is insufficient.
Indicate any hazards present in the electrical system and provide a general condition assessment.
Move to the HVAC System section and specify if there is central AC and heat. Note the age of the system and any hazards present.
In the Plumbing System section, confirm the presence of a temperature pressure relief valve and indicate any leaks.
Assess the general condition of plumbing fixtures and connections, providing comments if any are unsatisfactory.
Fill out the Roof section, providing details about the predominant roof covering material, age, and overall condition. Note any visible signs of damage or leaks.
Complete the Additional Comments/Observations section if necessary, using additional pages if required.
Finally, the inspector must sign, date, and provide their license information at the bottom of the form.

Free 4 Point Inspection Template

Key takeaways

Dos and Don'ts

Documents used along the form

More PDF Documents

Things to Know About This Form

What is a 4 Point Inspection Form?

Who can complete the 4 Point Inspection Form?

What are the minimum photo requirements for the form?

What happens if deficiencies are noted during the inspection?

Preview - 4 Point Inspection Form

Document Specifics

How to Fill Out 4 Point Inspection