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Get 4 Point Inspection Form in PDF

The 4-Point Inspection Form is a crucial document used to assess the condition of four key systems in a property: the roof, electrical, HVAC, and plumbing. This form is typically completed by a licensed inspector in Florida and serves as a tool for insurance underwriting to evaluate a property's insurability. It requires detailed information about each system, including any visible hazards or deficiencies.

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The 4 Point Inspection form plays a crucial role in the insurance underwriting process, particularly for older homes. This comprehensive document evaluates four key systems: the roof, electrical, HVAC, and plumbing. Each section of the form requires detailed information, including the age and condition of the systems, any visible hazards, and necessary photos to support the findings. For instance, the electrical section assesses the main service panel and identifies any issues such as double taps or exposed wiring. Similarly, the HVAC section confirms whether the heating and cooling systems are functioning properly and notes any potential hazards, such as improperly installed wood-burning stoves. Plumbing inspections focus on the presence of leaks and the condition of fixtures, while the roof assessment includes details about the roofing material and any visible signs of damage. This form must be completed by a Florida-licensed inspector, who certifies that the information provided is accurate and comprehensive. Underwriters rely heavily on this data to determine a property’s insurability, making the 4 Point Inspection form a vital component in the insurance application process.

Dos and Don'ts

When filling out the 4 Point Inspection form, there are several important practices to follow. Below is a list of things you should and shouldn't do:

Do ensure that all required sections of the form are completed thoroughly.
Do provide clear and accurate descriptions of any hazards or deficiencies noted during the inspection.
Do attach the minimum required photos for each section as specified in the guidelines.
Do have a Florida-licensed inspector sign and date the form to validate the inspection.

Don't leave any sections blank; incomplete forms may delay processing.
Don't submit the form without the necessary documentation for any remediation work done.
Don't provide misleading or inaccurate information about the condition of the systems inspected.
Don't forget to review the form for accuracy before submission to avoid potential issues.

Document Attributes

Fact Name	Description
Purpose of the Form	The 4-Point Inspection Form is used to evaluate the condition of four key systems in a property: the roof, electrical, HVAC, and plumbing. It helps insurers determine the insurability of the property.
Inspector Requirements	A Florida-licensed inspector must complete, sign, and date the form. This ensures that the inspection meets state regulations and provides a reliable assessment of the property's condition.
Photo Requirements	The form requires specific photos for documentation, including images of each side of the dwelling, all slopes of the roof, and key plumbing and electrical components. This visual evidence supports the findings of the inspection.
Governing Laws	The 4-Point Inspection Form is governed by Florida state laws, specifically related to property insurance underwriting. Insurers rely on this form to assess risks associated with insuring a property.

Key takeaways

Understand the Purpose: The 4 Point Inspection Form is essential for assessing the insurability of a property. It provides an overview of the roof, electrical, HVAC, and plumbing systems.
Use a Licensed Inspector: Only a Florida-licensed inspector can complete and sign this form. Their expertise ensures the information is reliable.
Complete All Sections: Fill out every part of the form thoroughly. Missing information can delay the underwriting process.
Photo Documentation: Include required photos for each system. This visual evidence supports the inspection findings.
Detail Any Issues: If any hazards or deficiencies are noted, provide detailed explanations. This transparency helps in evaluating the property's condition.
Review Before Submission: Agents must carefully review the form to ensure all requirements are met before submitting it with the insurance application.
Document Updates: If any systems have been updated, note the type of update, the date, and who performed the work. This information is crucial for understanding the property's current state.
Know the Requirements: Familiarize yourself with the minimum data needed for underwriting. This ensures that your inspection report meets all necessary standards.

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Example - 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

Detailed Instructions for Writing 4 Point Inspection

Completing the 4 Point Inspection form involves gathering specific information about the property and its systems. This form is essential for assessing insurability and must be filled out accurately. Below are the steps to guide you through the process of filling out the form.

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, ensuring all details are accurate.
Note the Actual Year Built of the property.
Write the Date Inspected to indicate when the inspection took place.
For the Electrical System section, indicate the type of main panel (circuit breaker or fuse) and total amps for both the main and second panels.
Answer whether the amperage is sufficient for current usage for both panels and provide explanations if necessary.
Check any hazards present, such as double taps or exposed wiring, and note the general condition of the electrical system.
Proceed to the HVAC System section and answer questions regarding the central AC and heating systems.
Indicate if the HVAC systems are in good working order and provide details about the last servicing.
In the Plumbing System section, answer questions about leaks and the condition of plumbing fixtures.
Detail the type and age of the piping system, noting any renovations.
Move to the Roof section and provide information about the roof covering material, age, and overall condition.
Check for visible signs of damage or leaks and describe any findings.
Complete the Additional Comments/Observations section, providing any necessary details or observations.
Finally, ensure the form is signed, dated, and includes the inspector’s title, license number, company name, and work phone.

After completing the form, it is crucial to gather the required photos and ensure that all information is accurate. The form must be signed by a Florida-licensed inspector to be valid. This document will play a key role in the underwriting process for the property insurance application.

Documents used along the form

When preparing for a property insurance application, several documents often accompany the 4-Point Inspection Form. Each of these forms plays a vital role in assessing the condition of the property and ensuring that it meets the necessary insurance requirements. Below is a list of commonly used documents that complement the 4-Point Inspection Form.

Roof Inspection Form: This document provides a detailed assessment of the roof's condition, including any visible damage or deterioration. It typically includes information about the roof covering materials, age, and remaining useful life, along with photographs of each slope.
HVAC Inspection Report: This report focuses specifically on the heating, ventilation, and air conditioning systems. It includes details about the systems' operational status, age, and any potential hazards, ensuring that they are functioning properly before insurance coverage is granted.
Plumbing Inspection Report: This document evaluates the plumbing systems within the property. It highlights any active or prior leaks, the condition of fixtures, and the type of pipes used. This report is essential for identifying potential plumbing issues that could affect insurability.
Electrical Inspection Report: This report assesses the electrical systems in the property. It includes information on the main electrical panel, any aluminum wiring remediation, and the overall safety of the wiring. This document is crucial for determining the property's electrical safety and compliance with insurance standards.
Trailer Bill of Sale: This document is essential for the transfer of ownership of a trailer and includes critical information about the trailer and the parties involved. For a template, you can refer to NY Templates.
Home Inspection Report: A comprehensive home inspection report covers all aspects of the property, including structural integrity, systems, and any visible hazards. This report can provide additional context and details that support the findings of the 4-Point Inspection.

These documents work together to create a complete picture of the property's condition. Submitting all required forms ensures a smoother underwriting process and helps to secure the necessary insurance coverage.