Inspection Service
Florida 4-Point Inspection for Insurance in Tampa Bay
A Florida 4-point inspection documents the condition of four critical systems insurers care about: roof, HVAC, electrical, and plumbing. If you’re shopping for or renewing homeowners insurance in Tampa Bay — especially on homes roughly 30 years and older — your carrier or agent may require a current 4-point report.
What's Included
- Roof — age/condition indicators as observable for underwriting purposes
- HVAC — system presence and condition notes relevant to the 4-point form
- Electrical — panel and related observations typically required
- Plumbing — supply/drain observations as accessible
Exact form fields follow Florida insurance/4-point documentation standards; we complete the inspection and report to support your agent’s submission.
Who It's For
- Homeowners needing a 4-point for a new policy or renewal
- Buyers whose lender/insurer requests a 4-point during underwriting
- Anyone pairing insurance docs with a full buyer’s inspection
Carriers serving Tampa, St. Petersburg, Clearwater, Brandon, Lakeland, and nearby Pinellas/Hillsborough/Pasco/Hernando/Manatee communities frequently ask for 4-point reports on older housing stock. Bundling a 4-point with a full home inspection and wind mitigation during your inspection period is common — one site visit mindset, clearer timeline for your agent.
Prepare for the Inspection
Confirm access to the property and any locked electrical panels, attic openings, HVAC equipment, and other areas included in the requested scope. Share your contract or insurance deadline when you request pricing so the team can confirm timing.
Scope and Limitations
The inspection covers visible, safely accessible conditions within the selected service. Concealed areas, destructive testing, code compliance, engineering, and guarantees of future performance are outside a standard inspection unless expressly included.
Report and Next Steps
You’ll receive the applicable photo-rich report or insurance form, typically within 24–48 hours. Review findings with your agent, insurer, or qualified specialist as appropriate before making decisions.
4-Point Inspections in St. Petersburg, FL
St. Petersburg has a large stock of 1950s–1970s block homes in neighborhoods like Disston Heights, Lealman, Kenwood, and Shore Acres — exactly the age range Florida carriers flag for a 4-point. Older panels, original cast iron or galvanized plumbing, and roofs past 15 years are the three things that most often stall a St. Pete policy. We inspect throughout Pinellas County and document what your agent needs to submit.
- Do St. Petersburg homes always need a 4-point?
- Not always — most carriers request one on homes roughly 30 years and older, which covers a large share of St. Pete housing. Your agent can confirm the age threshold for your specific carrier.
- How fast can you do a 4-point in St. Pete?
- We’re based in St. Petersburg at 6355 23rd Lane N, so local scheduling is usually quick. Call or text 727-291-3322 with your binder deadline.
See our St. Petersburg home inspection page
Common Questions
- Is a 4-point the same as a full home inspection?
- No. A 4-point is narrower and built for insurance underwriting. A full buyer’s inspection covers more systems and is meant to inform your purchase decision.
- How recent does my 4-point need to be?
- Insurers set their own windows. Ask your agent what “current” means for your carrier before you book.
- Can you do 4-point and wind mitigation the same day?
- Often yes. Tell us what your agent needs when you call 727-291-3322.
“Very pleased with Jason. He was very thorough and professional.”
“Kept me informed. Very professional.”
READY TO REQUEST PRICING & AVAILABILITY?
Send your property details and we’ll confirm scope, pricing, and availability. Mon – Fri: 8AM – 10PM.