4-Point Inspections & Reporting
If your home is more than about 25–30 years old, most Florida insurers will not write or renew a policy without a 4-point inspection. It covers the four systems carriers care about most — roof, electrical, plumbing, and HVAC — and reports their age and condition so the insurer can assess the risk.
P1Mitigators™ coordinates 4-point inspections across Jacksonville and Duval County and delivers a clean, insurer-ready report. Each of the four systems is documented clearly so you can bind or renew coverage without back-and-forth delays with the carrier.
What 4-Point Inspections & Reporting Includes
Roof Assessment
Age, material, condition, and remaining life of the roof — the number-one item carriers scrutinize on an older home.
Electrical System
Panel type, wiring, and condition, flagging known-hazard setups (like certain older panels) that carriers ask about.
Plumbing System
Supply and drain material, water heater age, and any signs of leaks or outdated piping that affect insurability.
HVAC System
Age and condition of the heating and cooling equipment, documented the way the insurer’s underwriting expects.
Why It Matters
- Required by most insurers to write or renew older-home policies
- Clean, insurer-ready report format avoids underwriting delays
- Pairs with wind mitigation to maximize premium savings
- Honest condition reporting so there are no surprises at binding
Related Services
Our services work together to protect and restore your property. Explore the ones that pair with 4-point inspections & reporting:
Wind Mitigation Reporting
Wind mitigation inspections and reporting in Jacksonville FL & Duval County.
Learn moreFlorida Re-Roofing
Florida re-roofing in Jacksonville FL & Duval County.
Learn moreFree Roofing Estimates
Get free roofing estimates in Jacksonville FL & Duval County.
Learn moreInsurance & Claims
Inspections, documentation, and claim support that protect your coverage and your payout.
Frequently Asked Questions
What is a 4-point inspection?
It is a focused inspection of a home’s four major systems — roof, electrical, plumbing, and HVAC — required by most Florida insurers before they will write or renew a policy on an older home. It reports the age and condition of each system so the carrier can assess risk.
When do I need a 4-point inspection?
Typically when you are buying, insuring, or renewing coverage on a home roughly 25–30 years or older. Your insurance agent will tell you if the carrier requires one; most do for older homes.
What is the difference between a 4-point and a wind mitigation inspection?
A 4-point reports the condition of four systems for insurability. A wind mitigation inspection documents storm-resistant features to earn you premium discounts. They are separate reports and many homeowners get both — we provide each.
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