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 licensed inspector in Florida, who will evaluate each system for any visible hazards or deficiencies. The information gathered through this inspection helps insurance companies determine whether a property is insurable, ensuring that homeowners are aware of the condition of their systems before obtaining coverage.
What is a 4-Point Inspection Form?
The 4-Point Inspection Form is a document used to assess the condition of four major systems in a home: the roof, electrical, HVAC (heating, ventilation, and air conditioning), and plumbing. This inspection is often required by insurance companies to determine a property's insurability.
Who needs to complete the 4-Point Inspection Form?
A Florida-licensed inspector must complete, sign, and date the form. This can include various professionals such as general contractors, home inspectors, or building code inspectors. Each inspector must be qualified to evaluate the specific systems they are inspecting.
What are the minimum photo requirements for the inspection?
Photos must accompany the 4-Point Inspection Form. The minimum requirements include:
What systems are evaluated in the 4-Point Inspection?
The inspection evaluates the roof, electrical system, HVAC system, and plumbing system. Each system's condition is assessed to ensure it is working properly and does not have visible hazards or deficiencies.
What happens if a system is found to be unsatisfactory?
If a system is deemed unsatisfactory, the inspector must provide detailed comments about the issues observed. This could include leaks, corrosion, or any other concerns that may affect the property's safety or insurability.
Can a trade-specific professional complete the entire form?
No, a trade-specific professional can only sign off on the section of the form related to their area of expertise. For example, an electrician can only certify the electrical section, while a plumber can only certify the plumbing section.
What does “acceptable condition” mean for the systems inspected?
An acceptable condition means that each system is functioning as intended and has no visible hazards or deficiencies. The inspector must certify this for the property to be considered insurable.
Are there any special instructions for agents submitting the form?
Yes, agents must review the 4-Point Inspection Form before submitting it with an application for coverage. They are responsible for ensuring that all rules and requirements are met, particularly that no applications are submitted for properties with systems not in good working order.
What if the property has had updates or renovations?
If there have been updates or renovations, the inspector should include detailed descriptions in the comments section. This includes identifying the types of updates, the dates completed, and who performed the work.
This form does not guarantee that a property will be insured. It serves only as a tool for Underwriting to evaluate the insurability of a property based on the condition of its systems.
Only a Florida-licensed inspector can complete, sign, and date this form. This requirement ensures that the inspection is conducted by a qualified professional who understands local codes and standards.
The information collected in the 4-Point Inspection form is not a warranty or assurance of the suitability, fitness, or longevity of any of the inspected systems. It is merely a snapshot of their condition at the time of inspection.
Photos are a mandatory part of the submission process. They must accompany the form and meet specific requirements to provide visual evidence of the conditions noted in the inspection.
It is essential for the writing agent to review each 4-Point Inspection Form before submission. This review ensures that all rules and requirements are met, and that the application is complete and accurate.
Incomplete Information: Failing to fill in all required fields can lead to delays. Each section must have accurate details, including the insured's name, address, and inspection dates.
Missing Photos: Not including the necessary photos is a common mistake. Each side of the dwelling, all roof slopes, and key plumbing and electrical components must be documented with clear images.
Neglecting Hazards: Ignoring visible hazards or deficiencies can be detrimental. Any issues, such as exposed wiring or leaks, should be noted in detail to ensure proper evaluation.
Improper Signatures: Submitting the form without the required signature from a Florida-licensed inspector is a frequent error. This signature is essential for the form to be valid and accepted.
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
Circuit breaker Fuse
Total Amps: __________
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
Wiring Type
Panel age: __________
Copper
Year last updated: __________
Year last updated:__________
NM, BX or Conduit
Brand/Model: __________
Sample Form Insp4pt 01 18
HVAC System
Central AC:
Yes
No
Central heat:
If not central heat, indicate primary heat source and fuel type: _________________________________
Are the heating, ventilation and air conditioning systems in good working order?
No (explain)
Date of last HVAC servicing/inspection: ______________
Wood-burning stove or central gas fireplace not professionally installed?
Space heater used as primary heat source?
Is the source portable?
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?
Is there any indication of an active leak?
Is there any indication of a prior leak?
Water heater location: _______________________________________________
General condition of the following plumbing fixtures and connections to appliances:
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.).
Age of Piping System:
Type of pipes (check all that apply)
_____
Original to home
Completely re-piped
PVC/CPVC
Partially re-piped
Galvanized
(Provide year and extent of renovation in the comments below)
PEX
Polybutylene
Other (specify)
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:
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
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
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.
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