by CFBIBlog | Jul 27, 2025 | Home Inspection
Did you know that home electrical fires cause upwards of $1.3 billion in property damage every year? On top of that, most home fire deaths happen as a result of a lack of smoke detectors.
A big part of protecting your home and your family is maintaining your property. That includes aspects such as your electrical system, plumbing, and more. A 4-point inspection allows you to cover much of the basics so you can make sure your home is in good shape.
This is your homeowner’s guide to the 4-point inspection and why it matters.
What Is a 4-Point Inspection?
A 4-point inspection is a specialized property evaluation that focuses on four major systems within a home:
- Roofing
- Electrical
- Plumbing
- HVAC
This inspection is a type of property safety evaluation often required by insurance companies. It’s needed when writing or renewing policies on homes that are 25 years or older.
It differs from a comprehensive home inspection checklist used during the home-buying process. A 4-point inspection is concise, targeted, and limited to these four systems. Each system has a significant influence on the insurability and risk level of a property.
Why Insurance Companies Require It
From an insurance requirements inspection standpoint, insurers are focused on minimizing risk. Outdated or faulty systems pose significant hazards, such as:
- Electrical fires due to outdated wiring
- Water damage from failing plumbing
- Roof leaks compromising structural integrity
- Inefficient HVAC systems leading to unsafe living conditions
Insurers use the results of a 4-point inspection to determine whether a property qualifies for coverage and under what terms. A property with older or defective systems may lead to a coverage denial. Some insurers will allow for repairs before the policy is issued or renewed.
The Four Points Explained
These four points cover the basic interior threats a home can face. It’s important to understand them before you get an inspection.
1. Roofing System
A well-maintained roof protects a home from water intrusion, mold growth, and structural deterioration. During the inspection, the inspector will look at:
- Age of the roof
- Type of roofing materials
- Evidence of leaks or water damage
- Overall condition
Roofs over 15 years old may require documentation showing their remaining life expectancy. Some insurers won’t cover homes with older roofs.
2. Electrical System
Older electrical systems can turn into fire hazards, especially those that haven’t been updated to current standards. Inspectors evaluate:
- Type of wiring
- Condition of the service panel
- Brand and model of circuit breakers
- Signs of overloaded circuits or DIY modifications
If your home has aluminum wiring or an outdated fuse box, consider investing in an upgrade.
3. Plumbing System
Water damage is one of the most common and costly insurance claims. A plumbing inspection includes:
- Pipe materials
- Signs of leaks or corrosion
- Age and condition of the water heater
- Water pressure and drainage performance
Certain pipe types, like polybutylene, have a high failure rate. Replacing these systems is a worthwhile investment in both safety and insurability.
4. HVAC System
Proper heating and cooling provide more than comfort. They’re also responsible for preventing issues like mold and humidity damage. Inspectors assess:
- Age of the HVAC system
- Type and functionality of the units
- Signs of leaking or corrosion
- Presence of space heaters or window units
Insurers may consider space heaters or window units as risks. It’s better to rely on maintaining your HVAC systems to ensure longevity and efficiency.
4-Point Inspection vs Full Home Inspection
A full home inspection is typically used during real estate purchases. It covers everything from foundation to insulation, appliances, and more.
It’s similar to a new home construction inspection in that it looks for structural problems in addition to the interior and exterior systems. This helps with real estate assessment and negotiations.
In constant, a 4-point inspection is primarily used for insurance qualification. You would want to get a more thorough look at a home you want to purchase.
Real Estate Assessment Considerations
If you’re buying or selling an older home, a 4-point inspection can serve as a preliminary real estate assessment.
For buyers, it helps determine whether the home will be insurable and if any immediate upgrades are needed. Sellers may want this inspection to reveal any issues they need to address before listing the property.
Having both a full home inspection and a 4-point inspection done can give everyone involved in a transaction more confidence and bargaining power.
Preparing for a 4-Point Inspection
Homeowners can do some preparations to ensure a smooth inspection process and avoid surprises.
To begin, gather documentation such as maintenance records and permits for upgrades. Warranty information is also necessary.
Do a self-check on your own of the four systems. You might be able to address visible issues beforehand.
Hire licensed professionals if any repairs or replacements are needed. Use certified contractors to ensure compliance with building codes.
Common Issues That Fail Inspection
Understanding what can cause a home to fail an inspection helps you prepare for one. Common problem areas include:
- Roofs nearing end-of-life
- Federal Pacific or Zinsco electrical panels
- Polybutylene plumbing or corroded pipes
- Non-functional HVAC or use of space heaters as a primary heat source
These are all factors that an insurer may use as an excuse to deny coverage.
Home Maintenance Tips
There are some home maintenance tips you can follow if you want to pass your upcoming inspection.
For your roof, clear the gutters and replace missing shingles. Schedule periodic inspections to keep it in good condition.
Avoid overloading circuits and upgrade electrical panels if advised. Fix plumbing leaks immediately and flush your water heater yearly.
Finally, change your HVAC filters regularly. Schedule seasonal tune-ups to avoid problems during high or low temperatures.
Pass Your Upcoming Inspection
A 4-point inspection is both good for getting a new insurance policy and for protecting your home. Without an inspection, your home might have ongoing problems with its plumbing, HVAC, and other essential systems. Don’t ignore them, or they could cause damage to your property in the future.
Central Florida Building Inspectors has proudly served the Central Florida area since 1988. We provide a variety of inspections for both residential and commercial properties, including pre-purchase and PCA inspections.
Reach out today to learn more and schedule your inspection.
by CFBIBlog | Jul 13, 2025 | Home Inspection
According to Consumer Affairs, in just the first two months of 2025, more than 24,000 new-construction homes were sold across 150 of the largest U.S. cities. That’s a staggering number of brand-new builds entering the market.
With the booming housing market in places like Tampa, Ocala, Orlando, and Volusia, many homebuyers assume a new home means a flawless home. Unfortunately, that assumption can lead to expensive surprises.
A new construction home inspection isn’t optional but essential.
A freshly built home might look pristine on the outside, but beneath the surface can lie poor workmanship, rushed finishes, or incomplete systems. Having a proper inspection helps protect your investment and identify any oversights.
Keep reading to learn what makes a new construction home inspection so important and how it can save you thousands.
The Importance of a New Construction Home Inspection
While most construction teams aim for quality, mistakes happen. Here are a few opportunities where mistakes can occur:
- Builders working fast
- Crews rotating out
- Deadlines that are getting pushed back
- Materials that are being installed incorrectly
- Incomplete plumbing
- Wiring not meeting code
That’s where a thorough inspection comes in. A new construction home inspection ensures your home is:
- Safe
- Up to code
- Properly finished before you close
Unlike resale homes, where defects may be more visible due to wear and tear, new homes can hide serious issues behind drywall and under fresh paint.
What Does the Construction Inspection Process Cover?
Understanding how inspections are broken down can help you prepare for each step in the build. The construction inspection process is divided into multiple stages, especially if you begin early enough:
Pre-Drywall Inspection
The pre-drywall inspection is performed before walls are sealed. This allows the inspector to examine:
- Framing
- Wiring
- Plumbing
- Ductwork
- Insulation
Final Home Inspection
The final home inspection is conducted once the home is finished. This covers the following:
- Roofing
- Structure
- HVAC
- Plumbing
- Electrical
- Windows
- Doors
- Appliances
- Safety features
Warranty Inspection (11-Month)
This particular inspection helps catch problems before the builder’s warranty expires. It’s your last chance to request repairs under warranty before you’re financially responsible.
What’s On the Home Inspection Checklist?
Before the inspection begins, it’s important to understand exactly what the inspector will be evaluating. A professional inspector uses a comprehensive home inspection checklist that may include:
- Roof and attic
- Foundation and structural components
- Electrical systems and panel
- HVAC operation and installation
- Plumbing fixtures and water pressure
- Insulation and ventilation
- Garage and driveway conditions
- Exterior siding and windows
- Interior finishes and appliances
Every inspection should be detailed, methodical, and documented. You’ll receive a written report outlining areas of concern, suggested repairs, and photographs.
Top New Build Inspection Tips for Buyers
Many buyers believe that a new build guarantees perfection, but even brand-new homes can have hidden issues. Taking a proactive approach can save you thousands in unexpected repairs.
Let’s look at a few tips to follow.
Hire an Independent Inspector
Don’t rely solely on the builder’s inspection or walkthrough. An independent professional works in your best interest.
Schedule a Pre-drywall Inspection
Once the drywall goes up, it hides all the inner systems. Inspecting before this step allows you to address foundational problems.
Attend the Inspection if Possible
Being there in person lets you ask questions, see issues firsthand, and understand the property better. It also gives you a chance to better visualize how the space will work for your needs.
Review Your Report Carefully
Some issues may seem minor, but could point to deeper problems. Don’t hesitate to ask the inspector for clarification.
Don’t Skip the Inspection Even if the Home Has a Warranty
A builder warranty won’t cover everything. Some problems, like drainage issues or improper installation, can be costly and time-sensitive.
Common Issues Found in New Construction Homes
Even homes built just weeks ago can have problems that go unnoticed during construction. You might be surprised by what shows up in a brand-new home:
- Uneven flooring or improperly installed tile
- Roof flashing defects
- Loose electrical outlets or fixtures
- Poorly installed insulation
- Drainage issues around the foundation
- HVAC ductwork leaks
- Plumbing connections that haven’t been pressure tested
Benefits of Home Inspection for New Builds
Even when a home is brand new, problems can surface fast after move-in. There are several major benefits of home inspection for new construction:
- Protect your investment: Identify issues before they become expensive repairs
- Improve resale value: A well-inspected home gives future buyers peace of mind
- Avoid post-move-in stress: Address problems before you’re living with them
- Hold the builder accountable: Get repairs done before the final walkthrough
Home Inspection Importance in Florida Markets
Florida’s weather, climate, and soil conditions make thorough inspections even more critical. Moisture intrusion, improper drainage, foundation settling, and pest vulnerabilities are common concerns. Areas like Tampa, Ocala, and Orlando are booming, but not all construction quality is equal.
In Central Florida, sandy soils, heavy rain, and high humidity all create conditions where shortcuts can lead to expensive problems. Inspections ensure your new property is:
- Sealed
- Graded
- Prepared for local environmental stressors
Buyers in Volusia and surrounding counties benefit from inspectors who understand regional challenges. Local knowledge makes a big difference in catching things that national builders might overlook.
Choosing the Right Inspector for the Job
Choosing a qualified inspector can make all the difference in catching problems early. When hiring for a new construction home inspection, look for:
- State-licensed inspectors
- Certified mold, radon, and termite specialists
- Inspectors with local building experience
- Clear, comprehensive inspection reports
- Willingness to walk you through findings
Central Florida Building Inspectors meets all of the above standards and more. With deep roots in the Orlando area, our team understands local building codes and environmental stressors.
Protect Your Investment With a New Construction Home Inspection
Avoid regrets, delays, and surprise repairs. Invest in a thorough new construction home inspection.
At Central Florida Building Inspectors, we’ve helped buyers across Tampa, Ocala, Orlando, and Volusia make smart, confident home decisions. Since 1988, we’ve provided accurate, trustworthy residential and commercial inspections throughout Central Florida. We’re family-owned and rooted in the local community.
Let our knowledge of Florida construction standards work to your advantage. Schedule your inspection today with Central Florida Building Inspectors.
by CFBIBlog | Jun 28, 2025 | Home Inspection
The average house in Florida is worth around $412,000, making the state an attractive location for new buyers. Finding the right home can be stressful, especially when you’re unsure what to look for behind the walls. A new home inspector can change how you approach the search by offering trained insight where most buyers rely on instinct.
With so much riding on the decision, getting expert help early can protect your investment. You’ll walk into the process with sharper eyes and fewer doubts, and the following guide will help ensure you make the right choice.
Uncovers Issues You Might Miss
Walking through a home without experience makes it easy to overlook problems. A new home inspector brings trained focus and knows where to look for hidden signs of damage. They check what buyers often skip, such as attics and crawlspaces.
Instead of relying on appearances, they dig deeper. This detailed perspective keeps you from making decisions based on surface-level charm.
Protects You From Costly Surprises
Big problems can hide behind fresh paint or updated finishes. An inspector can spot warning signs before they turn into expensive headaches.
Their work can reveal repair needs or code violations that affect your budget and timeline. Relying on a qualified home inspector helps you stay realistic and prepared.
Without their input, you risk paying too much for a house that needs more than it shows. Some of the problems they often uncover include:
- Water damage in basements or crawlspaces
- Electrical issues behind outlets or panels
- Roof wear is not visible from the ground
- Plumbing concerns hidden under cabinets
This protection is especially valuable during a competitive home search, so be sure to keep this in mind when moving forward.
Gives You Confidence to Make an Offer
Second-guessing slows down decisions. When you have clear information from someone trained to evaluate homes, you don’t waste time wondering what you’ve missed. An inspection report makes it easier to move forward or walk away.
The details give you a firm sense of what you’re getting into. That confidence keeps you from hesitating in fast-moving markets.
Clarifies What Repairs Are Truly Needed
Not every flaw is a dealbreaker. Some issues are normal for a home’s age, while others need urgent attention.
A reputable inspector explains what matters most and what can wait. This insight prevents overreaction and helps you plan realistically.
Inspection services make it easier to see where your money will go after closing. They often highlight essential priorities such as:
- Fixing major leaks or drainage issues
- Replacing broken HVAC components
- Updating outdated wiring for safety
- Securing loose or damaged stairs and railings
That clarity helps you focus on repairs that impact your comfort and safety.
Strengthens Your Negotiating Position
An inspection gives you facts. When you know what repairs are needed, you can ask the seller to lower the price or make changes before closing. This makes your offer stronger without relying on guesswork.
It’s a powerful way to keep your budget under control. Sellers are more likely to respond when your requests are backed by a professional report.
Helps You Understand the Property’s Condition
Online photos and staging often create illusions. A walkthrough with an inspector cuts through the polish and shows how the home performs.
They assess things like ventilation and long-term maintenance needs. These details reveal whether a home will require frequent upkeep or hold up well over time.
First-time home buyer tips often emphasize how useful this clarity can be. Expect them to break down points like:
- Overall wear and tear across systems
- Signs of pest damage or wood rot
- Age and condition of appliances
- Performance of windows and insulation
Understanding the full picture lets you move forward without surprises.
Brings Professional Insight to Each Tour
Even before making an offer, it helps to have someone with you who knows what to look for. An inspector can walk through a home early on and point out issues that might affect your choice.
This saves time by narrowing your focus to homes that meet your needs. Instead of relying on guesswork, you gain perspective grounded in training and experience.
Prevents Emotional Decisions with Facts
Falling in love with a house can cloud judgment. An inspector helps keep your thinking grounded. Their role is to focus on facts so emotions don’t take over.
This makes the process feel less overwhelming, especially when everything moves quickly. Choosing a home inspector with a calm, steady approach helps balance excitement with caution.
They help you stay focused on crucial details such as:
- Long-term maintenance costs
- Functional systems over flashy upgrades
- Energy efficiency ratings
- Safety concerns that affect daily living
By relying on facts, you avoid overcommitting based on style alone.
Guides You with Practical Buying Advice
An experienced inspector can share insights that go beyond the report. They may offer suggestions about what upgrades add value or which systems need attention first.
This practical advice helps you think about the home not only as it is now, but as it will be years from now. Their experience helps you make smarter choices that match your lifestyle.
Supports Smarter Long-Term Investment Choices
Buying a home is more than a short-term move. It’s an investment that shapes your future.
A strong inspection helps you gauge how well the property will hold its value and what risks come with it. Thinking long term keeps you from making choices you’ll regret. Our home inspection tips emphasize this step as one of the most essential parts of the process.
Don’t Neglect a New Home Inspector
A new home inspector gives you the facts you need to move forward with clarity. When the right expert walks beside you, the search feels less uncertain. CFBI has delivered trusted inspections across Central Florida since 1988.
With certified professionals, HD reports, drone capabilities, and thermal imaging included, we provide unmatched value and clarity. Choose from multiple pricing packages and receive reports within 24 hours. You can get in touch with us today to learn more about how we can help.
by CFBIBlog | Jun 14, 2025 | Home Inspection
A post by LLCBuddy, citing a poll by Porch, found that 88% of buyers sourced home inspection services during their most recent purchase.
This shows how essential this step is when purchasing a house. But what does a home inspector do, and why does it matter? Knowing their duty can help you see the value of seeking their services before closing a deal.
You might wonder if a home inspection is something you can skip. After all, buying a house comes with major expenses like down payments, moving costs, and closing fees.
Skipping a home inspection can be a significant mistake. Discover what a home inspector does and why hiring one is worthwhile.
Examines the Roof
A home inspector checks the roof for:
- Visible damage
- Age and wear
- Potential leaks
- Missing or damaged shingles
- Rusted or loose flashing
- Proper gutter and downspout function
They also look for sagging areas or soft spots that may point to rot or structural issues. Poor drainage can lead to:
- Water damage
- Mold
- Costly repairs
The roof is one of the most expensive parts of a home to fix, so this step in the home inspection process is essential. Understanding the roof’s condition helps you plan for repairs and avoid future unexpected expenses.
Evaluates Plumbing Systems
During the inspection, all visible plumbing is evaluated for:
Inspectors run faucets, flush toilets, and check drains to ensure functionality. They assess water pressure and look for signs of damage or outdated materials like lead or galvanized pipes.
The water heater is also inspected to verify its condition and functionality. Plumbing issues can lead to:
- Costly water damage
- Mold
- Higher utility bills
By catching problems early, you can ask the seller for repairs or prepare for future upgrades. The inspection gives peace of mind and can prevent nasty surprises after move-in day.
Inspects the Foundation
The inspector walks around the house and checks the foundation for:
- Cracks or fractures
- Signs of shifting or settling
- Water pooling near the base
- Uneven or sloping floors
- Sticking doors or windows
- Gaps around the frame or exterior walls
These issues can signal foundation problems that may affect the home’s safety and long-term value. Foundation damage isn’t always visible to an untrained eye, which is why a professional foundation inspection is essential in the buying a home steps.
For reliable home inspection services in Tampa, Ocala, Orlando, and Volusia, consider Central Florida Building Inspectors. We’re a family-owned business with decades of experience serving Central Florida. We take pride in clear communication, thorough reports, and personal walkthroughs of problem areas.
Assesses Electrical Systems
To ensure all electrical safety standards are met, inspectors check:
- The electrical panel
- Interior and exterior wiring
- Light fixtures and ceiling fans
- Outlets and switches
- Ground fault circuit interrupters (GFCIs)
- Smoke and carbon monoxide detectors
They confirm there’s no exposed wiring or double-tapped breakers, both of which can be serious fire hazards. GFCI outlets in kitchens and bathrooms are tested to ensure they shut off properly when needed. Inspectors also determine whether the system can support modern appliances and electronics.
Older homes often have outdated or overloaded systems that require upgrades. As part of professional real estate inspection services, this check helps protect you from hidden dangers and unexpected electrical repair costs.
Checks Heating and Cooling Systems
A home inspector examines the HVAC system, including:
- Furnaces
- Air conditioners
- Ductwork
- Thermostats
- Air filters
- Vents and registers
They turn the system on and off to confirm it works as expected. Inspectors look for:
- Signs of wear
- Leaks
- Lack of maintenance
If the unit is old or underperforming, it may not heat or cool efficiently.
They also note inconsistent temperatures or unusual noises. Replacing HVAC systems can be costly, so understanding their condition helps you plan ahead.
Reviews Attic and Insulation
The attic tells a lot about a home’s condition and energy efficiency. Inspectors check for:
- Proper ventilation
- Signs of pests or rodent activity
- Roof leaks
- Mold or mildew
- Sagging or damaged framing
- Fire hazards near insulation
They also evaluate the amount and quality of insulation, checking whether it meets current energy standards. Poor insulation can raise utility costs and make it harder to maintain comfortable indoor temperatures. Dark stains or warped wood may indicate hidden water damage.
Inspects Windows and Doors
Windows and doors are checked for :
- Proper sealing
- Smooth operation
- Structural alignment
Inspectors look for:
- Broken or cracked panes
- Rot or soft wood around frames
- Moisture between double-pane glass
- Difficulty opening or closing
- Drafts or air leaks
- Warped or misaligned frames
- Damaged or faulty locks
These issues may seem minor, but can signal larger concerns such as poor installation or aging materials. Air leaks around windows and doors can decrease energy efficiency and raise utility bills. Security is also a concern, especially with loose frames or non-working locks.
Provides a Detailed Report
Once the inspection is complete, the inspector creates a report outlining their findings, which may include:
- Descriptions of inspected areas and components
- Photos highlighting key concerns or damages
- Suggestions for repairs or follow-up evaluations
- A summary of safety issues
- Notes on systems nearing the end of their life
- Maintenance tips for long-term care
You’ll see urgent issues, minor concerns, and items to monitor over time. The report helps you decide whether to:
It’s also a handy reference after you move in. As the final step in the home-buying process, the report translates inspection results into actionable insights to protect your investment.
What Does a Home Inspector Do? A Clear Summary for Buyers
So, what does a home inspector do? They examine the major systems and structures of a home, from the roof to the foundation, helping you uncover hidden problems before finalizing your purchase.
Their detailed report gives you the insight to make confident decisions and avoid costly surprises. Whether you’re buying your first home or your fifth, an inspection is a vital step toward making a smart investment.
At Central Florida Building Inspectors, we’ve proudly served the region since 1988, offering 36 years of expertise in thorough, honest inspections. When you call us, you speak with real experts — not a call center. Let our experience work for you.
by CFBIBlog | May 15, 2025 | Home Inspection
According to data from the National Association of Realtors, only 19% of home buyers waived an inspection in 2024. That’s down from an estimated 22% a month earlier and 21% a year earlier.
The importance of an inspection is becoming clearer. What may not be known is the importance of one of the best tools necessary to get it done right.
Read on to learn what a property inspection checklist is and how to use it.
Home Inspection Benefits
Not all homeowners take the time and energy to get an inspection. They don’t realize the benefits they’re missing out on.
It helps buyers get the best prices and keeps your property clean and compliant for years to come.
Identifying Problems
The clearest of all home inspection benefits is the quick identification of issues. A full new home inspection is the best way to spot them before you move in. It also works with rental or commercial investments.
They can be found early before they balloon into major problems. You’ll save money when buying a property and get more when selling it.
Negotiating Real Estate Purchases
Property evaluation is a tricky business. Valuations involve crunching numbers and looking at market trends. When combined with inspections, they can help buyers negotiate lower sales prices.
You’ll also know when to withdraw from a sale if the property’s issues are too extensive. It prevents you from making the wrong real estate purchases.
You can even negotiate who pays for the inspection. It’s typically a buyer’s responsibility, but a motivated seller may be willing to pay.
Positive Relationships with Tenants
A rental property inspection checklist does more than ensure you get the best rental property. It also helps you maintain a positive relationship with the tenants there.
They expect a safe and well-maintained property. It’s also one of their legal rights. An inspection checklist helps maintain this right and keeps them on the property.
Evidence and Protection from Liability
A property inspection can help you spot legal issues such as health and safety violations.
It’s important evidence for disputes or court battles. It keeps everyone accountable with a clear picture of the property’s actual condition.
Helping Create Maintenance Schedules
Most checklists have an extra section for notes on what areas need maintenance. This can help you develop a schedule for maintenance and repairs.
It’ll also help prevent maintenance or repairs from doing more harm than good. A pre-drywall inspection keeps a potential extension from becoming a nightmare.
What to Include in a Property Inspection Checklist
A well-crafted property inspection checklist makes the process easier for inspectors, sellers, and buyers.
Knowing what to include is key. Having the right information sets the process up for success. It makes it more likely to be comprehensive and complete.
Property Details
The property’s condition isn’t the only thing that must go on the checklist. It also needs to include basic details such as:
- Address
- Inspection date
- The inspector’s name
This information is important for future records.
Exterior Inspection
The checklist must have information about everything’s condition. That includes inside and outside the property. It should also include detailed information about what to look for in these areas.
When it comes to the outside of the property, that may include:
- Roof
- Walls
- Gutters
- Windows
- Doors
- Foundation
- Driveway
- Landscaping
- Yard
- Garage
- Patio
- Deck
- Pool or spa
Interior Inspection
A home provides shelter from the outside, so an inspector needs to go inside as well.
They’ll go through every room. Along the way, they’ll note the condition of:
- Walls
- Ceilings
- Floors
- Doors
- Windows
- Lighting
- Appliances
- Cabinets
- Bathroom fixtures
- Fireplace
- Attic
- Basement
Utilities
A property’s utilities are key to living comfortably. The checklist needs detailed information about how each one should work.
The most important utilities to check include:
- Electricity
- HVAC
- Gas
- Plumbing
- Water
- Sewer/septic
- Trash
Safety Features
Homes have several important safety features to check, including:
- Smoke detectors
- Carbon monoxide alarms
- Fire extinguishers
- Emergency exits
- Stair railings
The checklist needs to include all necessary details that the inspector should look for. Are they working? Are they damaged in any way?
It also needs an extra area at the bottom. It allows inspectors to record notes and any recommendations for maintenance or replacements.
The Property Inspection Process
All parties should prepare for an inspection. Sellers should review the property to ensure it’s in the best possible condition. Look for safety issues and make sure all exits and entrances are clear. Clean up inside and out. It’s like a pre-inspection to ensure the real one goes well.
The property inspection process takes an average of two to four hours. It depends on the size of the house.
As the buyer, you should be present with the professional inspector. This is the time to ask them any important questions that have been on your mind.
You’ll also learn more about the property’s condition and maintenance needs. Bring paper to write notes and take photos of any issues you notice.
What to Do With a Home Inspection Report
When inspectors have finished the checklist, they’ll give you a home inspection report. It outlines the property’s features and any damage. There may even be photographs of areas that need special attention.
They’ll walk you through the findings, from major structural issues to minor wear and tear. Focus on safety hazards and then move on to the more minor issues.
Keep the report in storage. It can be useful evidence in legal issues or for planning future maintenance.
Get a Property Inspection Today
Create a property inspection checklist. It makes performing a property inspection easier and more comprehensive. You’ll know the condition of everything and what needs work. It can even help you negotiate and protect you from legal liability.
Central Florida Building Inspectors has provided thousands of high-quality property inspections yearly since 1988. We go above and beyond other companies and look for issues they won’t, such as pests and gas leaks.
Our certified inspectors will leave you feeling informed about your property. Our personable customer service team will help you along the way. Contact us for an inspection today.
by CFBIBlog | Apr 29, 2025 | Home Inspection
Florida home insurance premiums have surged in recent years, with homeowners facing costs 125% higher than they were five years ago. It’s a sharp rise and reflects insurers introducing stricter requirements, including the need for a 4-point inspection on some Florida homes.
If you own a property in Central Florida and are currently looking to begin or renew your home insurance, read on. This guide will explain all you need to know about the 4 point inspection for insurance, including when you need one, when to schedule the work, and what an inspector will check.
What Is a 4 Point Inspection for Insurance Coverage?
A 4-point inspection is a home check on four critical systems rather than a full home inspection. These four checks are:
- The roof
- The electrical system
- The plumbing
- The HVAC (heating, ventilation, and air conditioning)
Insurance companies use a 4-point check for properties to check their condition and safety, and it’s something of particular importance on older properties. Insurers use this information when starting or renewing a policy to check whether the property insurance is sufficient for what the building might need in terms of repairs or the risk of problems.
In Florida, a 4-point inspection can be crucial given the unique weather risks in this part of the world, which can impact a home’s structure and systems. Homeowners can also use this information to help manage property risks and flag any potential repair work to get the property into a safer and more livable condition.
What Happens During a Home Inspection for Insurance Coverage?
A trained inspector is responsible for running the four critical checks, and they focus on several aspects, including the system’s condition, age, and functionality.
When checking the roof, for example, they will look for leaks and signs of wear and tear, like loose tiles. They’ll also inspect it for stability, such as sagging or uneven parts of the roof structure.
Similarly, the plumbing system will also include some tests for leaks, and the inspector will also investigate the types of materials used and the general condition of the pipework.
The electrical inspection will include checks on the wiring, breakers, and panels. Plus, it will ensure the setup is fully compliant with the latest safety rules.
Finally, the inspector will look at the HVAC system, including its age, maintenance status, and functionality.
All these checks help an assessor determine if there are property risks like fire, water damage, or structural problems.
The 4-Point Inspection for Insurance Discounts: How It Impacts Coverage
For Florida residents, the 4-point inspection can significantly shape your home insurance and whether you can secure a renewal.
Homeowners are more likely to face issues with the inspection for older properties, where the risks from wear and tear are greater. Damaged, unsafe, and outdated areas could leave you paying a higher premium for your home insurance, and in some extreme scenarios, insurers could deny coverage.
It’s vital that homeowners stay proactive in order to get discounts on their premiums. If you are aware of outstanding repairs that could impact your inspection, get the work completed beforehand. This will help the inspection run more smoothly and avoid delays in your home insurance.
You should do this whether you are renewing or looking at new insurance coverage for a home purchase.
4-Point Inspections: Getting the Timing Right
It’s essential, if you need a 4-point inspection, to book it early. Planning ahead means you won’t face any last-minute delays or rushes.
Arrange an inspection at least 2-3 weeks before finalizing a new insurance quote. If you need a policy renewal on an older property, it’s best to allow at least 30 days before your renewal date to complete the inspection. This gives you time to repair any urgent issues before your insurance runs out.
The inspection itself typically takes around 2-4 hours, so you will need to schedule a time when you’re at home to allow the inspector to look at your property. You will normally receive the results of the inspection within 1-2 days.
Do All Florida Homes Need 4-Point Inspections?
Not all Florida homes require a 4-point inspection. However, it’s still a valuable step to take to protect your home, ensure you know about any risks that could cause you problems later on, and provide peace of mind that your property is safe.
There are no state laws in Florida about 4-point inspections.
Decisions about 4-point inspections in Florida are made by insurers based on an insurance coverage checklist and are most likely stipulated for homes over 20 years old. The exception is if you have recently invested in a major renovation to your property, but the insurer will let you know if that’s the case.
It’s also worth bearing in mind that insurance rules change. Always check with your insurer before you need to renew to find out if your inspection is required.
Choosing an Inspector: Why Local Experience Matters
When it’s time to choose a 4-point inspection team, always opt for a local company like Central Florida Building Inspectors, who understand some of the unique challenges that come from owning a property in Central Florida.
You will have a property that experiences intense sunlight, humidity, tropical storms, and hurricanes. All these factors can have a long-term impact on your roof, HVAC system, and plumbing, and a local inspector will have the experience to spot early signs of damage.
Local inspection teams will also be familiar with specific Florida insurance requirements and understand what your provider needs. At Central Florida Building Inspectors, we bring our experience and local knowledge to every inspection, and our team is all state-licensed and certified.
Book Your 4-Point Inspection Today at Central Florida Building Inspectors
If you need a 4 point inspection for insurance coverage, don’t delay the work. Early inspection planning will help keep things moving with your home insurance so that you don’t experience any unnecessary delays.
You can do that now by booking with Central Florida Building Inspectors. Trusted by homeowners across Florida since 1988, we provide industry-standard inspection reports for properties. Our friendly, experienced team is ready and available to help you with all your property inspection needs, and you can head here to schedule your inspection today.
