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Insurance-required report covering the four systems Florida carriers care most about — free with every full home inspection from TruView.
Insurance-Required Inspection · South Florida
Florida insurance carriers require a 4-point inspection on homes that are 25 years or older before issuing a new homeowner's insurance policy. The inspection evaluates the four systems that carriers consider most important for determining risk: the roof, HVAC, electrical system, and plumbing. A TruView inspector documents the age, condition, and material type of each system in a report that is accepted by Citizens Insurance and all private Florida carriers.
The 4-point inspection is not the same as a full home inspection. A full home inspection covers over 200 checkpoints — the 4-point is a focused insurance snapshot of four specific systems. Both serve different purposes, but TruView includes the 4-point report at no extra charge with every full home inspection — so buyers receive both documents in a single visit at no additional cost.
For homeowners who already own their property and need a 4-point for insurance renewal or a carrier switch, TruView offers standalone 4-point inspections. Reports are delivered the same day and formatted exactly as Florida carriers require — with photos of the panel, HVAC equipment, roof surface, and plumbing materials.
Insurance-Ready Report
A complete 4-point report formatted for immediate submission to your Florida insurance carrier.
The Four Systems
Florida insurance carriers require documentation of these four systems to assess the risk profile of older homes before issuing coverage.
Transparent Pricing
Free with a full home inspection. Standalone 4-point inspections available for homeowners who already own their property.
A 4-point inspection is not a substitute for a full home inspection. It is a focused insurance snapshot of four systems. TruView recommends pairing both for complete buyer protection.
Florida Insurance Market Expertise
The 4-point inspection is a uniquely Florida requirement — driven by the state's insurance market and the risk profile of its older housing stock. Here's what carriers flag most often.
Federal Pacific Electric (FPE/Stab-Lok), Zinsco, and Pushmatic panels are flagged by most Florida carriers as fire hazards. Many insurers will not write a new policy on a home with these panels, or will require replacement before binding coverage. TruView identifies and documents panel brands, condition, and wiring type with photos so buyers know exactly what they're dealing with before they close.
Polybutylene (PB) piping — common in Florida homes built between the late 1970s and mid-1990s — is flagged by Citizens Insurance and many private carriers. It is associated with higher failure rates and is often a condition of coverage: insurers may require full replacement before binding a policy. A 4-point inspection identifies PB piping and documents its extent throughout the home.
Florida carriers are extremely sensitive to roof age. Most carriers will not write a new policy on a home with a roof nearing the end of its expected lifespan — typically 15–20 years for asphalt shingles, 25–30 years for flat roofs, and longer for tile. The 4-point documents the current condition and estimated remaining life so buyers and agents can anticipate insurance requirements before closing.
Cracked, slipped, or missing tiles are one of the most common 4-point failure points on Florida roofs — particularly after high-wind events. Most carriers will not bind a new policy until visible tile damage is repaired, and existing policies can be non-renewed if the roof shows widespread tile failure. TruView documents broken, slipped, and displaced tiles with HD photos and drone imagery as part of every 4-point so buyers and agents see exactly what needs repair before closing.
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Simple Process
Schedule online or call your regional office. If you're also getting a home inspection, the 4-point is included free — just book your full inspection and we handle both.
Your TruView inspector evaluates the roof, HVAC, electrical panel and wiring, and plumbing supply and drain systems — documenting age, condition, material type, and any deficiencies found.
Your complete 4-point report with photos of all four systems is emailed the same day — formatted exactly as your Florida insurance carrier requires.
Forward your TruView 4-point report to your insurance agent. They submit it directly to Citizens or your private carrier as part of your policy application or renewal.
Comprehensive Coverage
Combine services in a single visit to get everything your insurer needs at once.
Already included free with your full home inspection — the wind mitigation report documents hurricane-resistant features for insurance premium discounts of 10–45%.
Learn More →A 4-point is not a full inspection. Book a full home inspection and receive the 4-point, wind mitigation, and 200+ checkpoint assessment in one visit — all for one price.
Learn More →If your 4-point reveals a roof near end of life, a dedicated drone-assisted roof inspection provides the detailed assessment and insurance-ready documentation your carrier or lender may require.
Learn More →"TruView did the 4-point as part of our home inspection. The report was in our agent's hands before noon and Citizens had no issues accepting it. The whole process was seamless — exactly what you want when you're juggling a closing timeline."
"As a Broward realtor I recommend TruView to every client buying a home over 25 years old. The 4-point and wind mitigation are included free — my clients save $250–$400 compared to using a second inspector. The same-day delivery is a lifesaver near the inspection deadline."
"I needed a standalone 4-point for my insurance renewal. TruView came out the next day, and I had the report by 3pm. My agent said it was the most detailed 4-point he'd received — photos of the panel, plumbing, HVAC unit, and roof all included. Carrier accepted it immediately."
Common Questions
A 4-point inspection evaluates the four systems Florida insurance carriers are most concerned with: the roof system, HVAC, electrical system, and plumbing system. Carriers require this report on homes 25 years or older before issuing a new homeowner's insurance policy. TruView includes it free with every full home inspection.
Florida carriers use the 4-point to assess the risk of insuring an older home. They want to know the age and condition of the roof, HVAC, electrical, and plumbing — the four systems most likely to generate claims. Homes with problematic systems may be denied coverage or required to make repairs before a policy is issued.
Free when combined with a TruView full home inspection. Standalone 4-point inspections range from $135 to $200 for residential properties. The report is delivered the same day and accepted by all Florida insurance carriers.
Federal Pacific Electric (FPE/Stab-Lok), Zinsco, and Pushmatic panels are flagged by most Florida carriers as fire hazards. Many carriers will not write a new policy on a home with these panels or will require replacement before binding coverage. TruView identifies and documents panel brands with photos in every 4-point report.
If the report reveals issues — aging roof, problematic panel, polybutylene plumbing, or HVAC at end of life — your insurance agent can help you understand your options. Some carriers issue policies with conditions; others require repairs before binding. A failed 4-point is also a powerful seller negotiation tool.
Yes. TruView's 4-point reports are accepted by Citizens Property Insurance Corporation and all private Florida carriers. Our format matches what Citizens requires, including photos and documentation of ages, materials, and conditions for all four systems.
Most Florida carriers require a 4-point on homes 25 years or older. Some have lowered the threshold to 20 or even 15 years. Your insurance agent can confirm the specific requirement. If your home is approaching or past the 25-year mark, schedule the 4-point before searching for insurance.
Yes. TruView offers standalone 4-point inspections for homeowners who need a report for insurance renewal or a policy change. Standalone inspections are $135–$200 and delivered the same day.
TruView provides 4-point inspections in all five regions — standalone or bundled free with a full home inspection.
Serving South Florida & Beyond
TruView performs certified 4-point inspections across South Florida and Central Florida — same team, same standards, same-day reports in every city.