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.

Inspected has served Tampa Bay buyers and homeowners since 2007. InterNACHI® Certified / InterNACHI CPI®, state licensed and insured in Florida. We deliver clear, insurance-ready documentation without fluff.

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.

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.

READY TO SCHEDULE YOUR INSPECTION?

Call or text 727-291-3322 — or request a time online. Mon–Fri 8AM–10PM.

Call 727-291-3322 Request a Time