Insurance Inspections

4-Point Inspections for Tampa Bay Homes

Insurance companies often require a 4-point inspection to evaluate the major systems of a home before issuing or renewing coverage.

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What Is a 4-Point Inspection?

A 4-point inspection evaluates the four major systems of a home. Insurance companies use this report to confirm these systems are in acceptable condition before issuing or renewing a policy.

Roof

Age, condition, and material type of the roof covering and structure.

Electrical

Wiring type, panel condition, and overall safety of the electrical system.

Plumbing

Pipe materials, water heater condition, and evidence of leaks or corrosion.

HVAC

Age, condition, and functionality of heating and cooling systems.

When 4-Point Inspections Are Required

Buying a home

Renewing insurance

Switching insurance carriers

Older homes (20+ years)

Common Issues Found During a 4-Point Inspection

These findings don't necessarily prevent insurance approval, but may require repairs before a policy is issued.

Roof condition concerns (age, wear, or visible deterioration)
Aging roofing materials nearing end of useful life
Storm damage indicators (lifted shingles, dented gutters)
Exterior deterioration around roofing structures (fascia, soffit, flashing)

Need Repairs After a 4-Point Inspection?

Sometimes insurance companies require exterior repairs before issuing coverage. If your 4-point inspection identified roofing, siding, or window issues, Weathershield can evaluate the problem and complete the necessary repairs so your policy can move forward.

If you need repair quotes to address 4-point inspection findings before closing, we provide fast written estimates.

Related Resources

Explore additional inspection and insurance services for Tampa Bay homeowners and realtors.

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