4 Point Inspection Orlando Florida

A 4 point inspection Orlando Florida is just a given requirement for older homes these days, depending on the underwriters requirements and age of the home, type of construction and location, as well as many home owner insurance renewals.    

The four point inspection, not to be confused with an Orlando wind mitigation inspection,  is is generally required by insurance companies,  when you buy an older home, or possibly when you renew your home owners insurance. 

Florida’s insurance industry, in general,  has suffered billions of dollars of storm damage claims in recent years. As a result, property insurance rates have soared. 

Underwriters have become more strict on the risk they are willing to take. 

They require certain standards of service, as well as, certain periods of remaining “Useful Life” for the four main system of a home. The HVAC system, electrical system, the plumbing system and the roof.

There are numerous “known concerns” with different years of construction as well as specific product types and manufactures. 

With a four point inspection, we report on your homes basic systems for:

• general function
• manufacture dates
• remaining useful life
• and, the permit and inspection history for both original construction, as well as any upgrades or renovations done to the property. 

It is possible an underwriter may require improvements or upgrades for specific items. Such as a new roof, electrical and plumbing upgrade and proof the proper permits and inspections were done.  Or, they may simply refuse to insure the property based on it’s age, construction type and overall condition.