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Official 4 Point Inspection Form in PDF

The 4-Point Inspection Form is a crucial document used to assess the condition of a property's roof, electrical, HVAC, and plumbing systems. This form must be completed by a Florida-licensed inspector and includes essential details that help insurance underwriters determine the insurability of a property. By providing a thorough evaluation, this form assists homeowners and potential buyers in understanding the state of these critical systems.

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The 4 Point Inspection Form plays a crucial role in evaluating the insurability of a property, particularly in Florida. This form is designed to assess four key systems: the roof, electrical, HVAC, and plumbing. Each section requires specific details, including the age and condition of these systems, to help insurance underwriters make informed decisions. For the roof, inspectors note the predominant covering material, its age, and any visible signs of damage or deterioration. The electrical section documents the type of wiring, the condition of the main panel, and any hazards present. HVAC assessments focus on the functionality and age of heating and cooling systems, while plumbing evaluations check for leaks and the condition of fixtures. Importantly, the form mandates that a licensed Florida inspector complete it, ensuring that the information provided is reliable. Photographic evidence is also required, capturing various aspects of the property to support the findings. Overall, the 4 Point Inspection Form serves as a comprehensive tool for documenting the condition of essential systems in a home, ultimately guiding insurance decisions.

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Steps to Using 4 Point Inspection

Once you have gathered the necessary information and documentation, you can proceed to fill out the 4 Point Inspection form. Make sure to follow the steps carefully to ensure all required details are accurately recorded.

Write the name of the insured or applicant at the top of the form.
Enter the application or policy number next to the name.
Fill in the address of the property being inspected.
Indicate the actual year the property was built.
Record the date the inspection was conducted.
Ensure that you have included the minimum photo requirements for each section of the inspection.
For the electrical system, document the type and total amps of the main and second panels.
Answer questions regarding the sufficiency of amperage for current usage and note any hazards present.
Provide details about the HVAC system, including whether it is central AC and heat, and any signs of blockage or leakage.
Assess the plumbing system by answering questions about leaks and the condition of fixtures.
Complete the roof section by noting the predominant roof covering material, age, and overall condition.
Fill in any additional comments or observations as necessary.
Have the Florida-licensed inspector sign and date the form at the bottom.

Key takeaways

Filling out and using the 4 Point Inspection form is crucial for property insurance applications. Here are key takeaways to ensure compliance and accuracy:

Complete all sections: Ensure that every section of the form is filled out completely, including the insured's name, address, and inspection details.
Use a licensed inspector: Only a Florida-licensed inspector can complete, sign, and date the form. This is a requirement for acceptance.
Attach required photos: Include photos of each side of the dwelling, each slope of the roof, and key plumbing and electrical components as specified.
Document system conditions: Clearly indicate whether the roof, electrical, HVAC, and plumbing systems are satisfactory or unsatisfactory.
Identify hazards: List any visible hazards or deficiencies in detail. This information is critical for underwriting decisions.
Provide supplemental information: Include additional comments or observations about updates, repairs, or any issues found during the inspection.
Check for compliance: Ensure that the form meets the minimum data requirements for underwriting evaluation.
Review before submission: Agents must review the completed form to confirm that all rules and requirements are met before submitting it with an application.
Be aware of limitations: Understand that the form does not provide a warranty or assurance regarding the longevity or fitness of the systems inspected.
Follow up on deficiencies: If any systems are noted as unsatisfactory, take necessary actions to remedy the issues before reapplying for insurance.

Misconceptions

Misconception 1: The 4-Point Inspection form guarantees insurability.

Many people believe that completing a 4-Point Inspection form ensures that their property will be insured. However, this is not the case. The form is used to gather information about the condition of key systems in the home, such as the roof, electrical, HVAC, and plumbing. Insurers will use this information to assess risk and determine whether to offer coverage, but it does not guarantee approval.

Misconception 2: Any inspector can complete the 4-Point Inspection form.

Some individuals think that any contractor or handyman can fill out the 4-Point Inspection form. In reality, only a Florida-licensed inspector can complete this form. This requirement ensures that the inspection is performed by a qualified professional who understands the specific standards and regulations in Florida.

Misconception 3: The inspection is a warranty for system longevity.

Another common misunderstanding is that the 4-Point Inspection serves as a warranty for the longevity or fitness of the systems inspected. While the form assesses the current condition of these systems, it does not provide any guarantees regarding their future performance or lifespan. Homeowners should be aware that ongoing maintenance is crucial for system reliability.

Misconception 4: Photos are optional for the 4-Point Inspection form.

Some people may think that submitting photos with the 4-Point Inspection form is optional. In fact, the form has specific minimum photo requirements that must be met for the inspection to be considered complete. These photos help provide visual evidence of the condition of the property and are essential for underwriting purposes.

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: __________

Sample Form Insp4pt 01 18

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)

Sample Form Insp4pt 01 18

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

Sample Form Insp4pt 01 18

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 Specs

Fact Name	Description
Purpose	The 4-Point Inspection Form is used to assess the condition of four critical systems: roof, electrical, HVAC, and plumbing.
Photo Requirements	Each inspection must include photos of the dwelling, roof slopes, plumbing fixtures, and the main electrical panel.
Inspector Qualifications	A Florida-licensed inspector must complete, sign, and date the form to ensure compliance with state regulations.
Insurability Assessment	Underwriting relies on the information provided in the form to determine a property’s insurability, not as a warranty of system longevity.
Electrical System Documentation	Separate documentation is required for any aluminum wiring remediation, certified by a licensed electrician.
Hazards Identification	The form includes sections to note any hazards, such as exposed wiring or improper grounding, which must be addressed.
HVAC System Evaluation	Inspectors must confirm whether HVAC systems are in good working order and document any servicing history.
Plumbing System Checks	Inspectors assess for leaks, the presence of a temperature pressure relief valve, and the overall condition of plumbing fixtures.
Roof Condition Reporting	The form requires details on the roof's age, material, and any visible signs of damage or leaks.
State-Specific Regulations	In Florida, the 4-Point Inspection Form must meet the standards set by the Florida Department of Financial Services.