Understanding 4-Point Inspections in Florida

Serving all of Southwest Florida

Request Inspection
Home Inspection Services

SERVICES

HOME INSPECTION SERVICES CAPE CORAL, FL TRUSTS

Healthy Home Inspections Inc is proud to offer professional home inspection services to areas of Southwest Florida. Combining our extensive training and experience, we’re able to provide an investigative and informative evaluation of any residential property, adhering to InterNACHI’s excellent Standards of Practice.

General Home Inspection

4-Point Inspections

A 4-point inspection is a crucial component in maintaining and insuring homes in Florida, especially for older properties. This type of inspection focuses on four main areas of a home, providing a comprehensive overview of its condition. Here’s a detailed look at what a 4-point inspection entails and answers to some of the most frequently asked questions about it.

GENERAL HOME INSPECTION

Our residential property inspection is a thorough assessment of the visible and readily accessible areas of a home. As licensed mold assessors, we’re also able to identify areas of mold and the moisture that harbors it so that you can be completely informed of any hidden issues before moving forward with a purchase. We also include a Threshold Inspection for defective drywall included with every inspection.


We inspect the following components:


  • Roofing System (including gutters & downspouts)
  • Foundation & Crawl Space
  • Structural Components
  • Exterior (siding, doors, windows)
  • Driveway & Walkways
  • Deck, Porch, & Patio
  • Fireplace & Chimney
  • Attached Garage
  • Interior (doors, windows, floors, ceilings, walls, stairs)
  • Attic, Ventilation, & Insulation
  • Electrical System
  • Plumbing System
  • HVAC Systems
  • Built-in Appliances
Pre-Listing Home Inspection Fort Myers, FL

What is a 4-Point Inspection?


A 4-point inspection is a specialized assessment that evaluates four major systems in a home:

  1. Roof: The condition, age, and potential need for repairs or replacement.
  2. Electrical System: Wiring, panels, and other electrical components to ensure they meet safety standards.
  3. Plumbing System: Pipes, fixtures, and the overall integrity of the plumbing setup.
  4. HVAC System: Heating, ventilation, and air conditioning systems to ensure they are functioning correctly.


This inspection is often required by insurance companies to assess risk and determine coverage for a property.



Mold inspections Logo

Why is a 4-Point Inspection Important?


A 4-point inspection is vital for several reasons:

  • Insurance Requirements: Many insurance companies in Florida require a 4-point inspection for homes over 25 years old to provide or renew homeowners insurance.
  • Risk Assessment: It helps identify potential issues that could pose safety hazards or lead to costly repairs.
  • Informed Decisions: Provides homeowners and potential buyers with a clear understanding of the property's condition.


What Does a 4-Point Inspection Include?

During a 4-point inspection, the inspector will:

  • Evaluate the Roof: Check for signs of wear, damage, or leaks and assess the roof’s overall condition and lifespan.
  • Inspect the Electrical System: Ensure that the wiring, outlets, and electrical panel meet current safety codes and are in good working order.
  • Assess the Plumbing System: Look for leaks, corrosion, and proper functioning of pipes and fixtures.
  • Examine the HVAC System: Review the heating and cooling systems for efficiency and any maintenance issues.

The inspector provides a detailed report highlighting any concerns or recommendations for repairs.


When is a 4-Point Inspection Needed?

A 4-point inspection is typically required in the following situations:

  • Home Insurance: When applying for or renewing homeowners insurance, especially for older homes.
  • Property Sale: To provide buyers with an overview of the property's condition.
  • Home Maintenance: As part of regular home maintenance to identify potential issues before they become serious problems.


How Much Does a 4-Point Inspection Cost?

The cost of a 4-point inspection in Florida can vary based on several factors, including the size of the home, its age, and the specific location. On average, you can expect to pay between $100 and $200. While this may seem like an added expense, it is a small price to pay for the peace of mind and potential insurance benefits it provides.


How Can I Prepare for a 4-Point Inspection?

To prepare for a 4-point inspection, consider the following steps:

  • Access: Ensure the inspector has easy access to the roof, electrical panel, plumbing fixtures, and HVAC system.
  • Documentation: Gather any relevant documentation regarding the home’s systems, such as maintenance records or previous inspection reports.
  • Repairs: Address any obvious issues or maintenance needs before the inspection to avoid potential red flags.


Why Choose a Trusted Inspector?

Hiring a qualified and experienced home inspector is crucial for a reliable 4-point inspection. A professional will:

  • Provide a Thorough Assessment: Ensure that all four key areas are inspected comprehensively.
  • Deliver a Detailed Report: Offer a clear and detailed report with actionable recommendations.
  • Meet Insurance Requirements: Ensure the inspection meets the standards set by insurance companies.

For a dependable 4-point inspection in Florida, consider reaching out to Healthy Home Inspections. Our certified professionals provide thorough assessments and detailed reports to help you make informed decisions about your property.

WE OFFER THESE ADDITIONAL INSPECTION SERVICES:

COMMERCIAL INSPECTION

If you’re considering purchasing a commercial property, it’s important to know the condition of your investment so you can make a sound financial decision. We’ll examine the major systems that will affect your bottom line including roofing, plumbing, electrical, heating and cooling, and the structure itself. You’ll receive a detailed report complete with notes and pictures that will help you decide how to best proceed with your commercial investment.


Request Commercial Inspection

MOLD INSPECTION

As licensed mold assessors, we’re able to inspect a property for mold and interpret lab results in-house. We’ve taken the time to educate ourselves on different types of mold and their effects on a home so that we can accurately answer any questions that you may have. A moisture meter will be used to determine if there are any undesirable areas of moisture that could create a habitat for mold growth.


Request Mold Inspection

PRE-LISTING INSPECTION

Before you begin the process to sell your home, we recommend contacting a professional home inspector to evaluate the property. As the best provider of home inspection services Fort Myers, Fl has to offer, we’ll assess the condition of your home and its integrated systems so that you can be aware of any issues that may need attention. This establishes trust with prospective buyers by giving you an opportunity to take care of any necessary repairs or to disclose existing defects before they schedule their own inspection.


Request Pre-Listing Inspection

NEW CONSTRUCTION INSPECTION

This inspection is for individuals who would like an unbiased assessment of their newly constructed home (or a home that is nearing completion). We’ll arrive on-site to evaluate the home’s structure and installed mechanical systems, informing you of any defective materials or safety concerns that need to be brought to the builder’s attention.


Request New Construction Inspection

11TH MONTH WARRANTY INSPECTION

A newly constructed home can sometimes appear pristine even when issues begin to emerge—whether from oversights during construction or a malfunctioning component. If you’ve owned your new home for less than a year, then certain issues could be covered by the builder’s one year warranty. Before the first year is up, we’ll assess the property for any defects—possibly saving you time and money if the repair costs are included in the terms of your warranty.


Request 11th Month Warranty Inspection

4-POINT INSPECTION

This inspection is commonly required by insurers before they’ll offer coverage on older homes. It consists of a careful evaluation of four key areas—the HVAC systems, the electrical system, the plumbing system, and the roof. If these areas are in sufficient enough condition to meet the minimum property standards of your insurer, then you should be eligible for a policy.


Request 4-Point Inspection

PHASE 1 ENVIRONMENTAL SITE ASSESSMENT

Any entity that is going to purchase land to be developed or is a commercial/industrial property, or leases land commercially, should have a Phase 1 performed. This reduces risk later on that may not have been known. Phase 1’s are known to release “Landowner Liabilities”. A big misconception is a deed releases the landowner but it does not, environmentally.


Request Phase 1 ESA

Re-Inspection

RE-INSPECTION

Once repairs have been completed on a defective component that we discovered during a home inspection, we recommend contacting us for a Re-Inspection. We’ll return to the property to evaluate any repairs or improvements, taking the time to make sure that the job was done correctly and that any safety issues that were initially present have been resolved.


Request Re-Inspection

WIND MITIGATION INSPECTION

At Healthy Home Inspections Inc, the provider of home inspection services Cape Coral, Fl trusts, we know that wind mitigation is a big deal for homeowners in Florida. In order for your investment to be truly protected, certain implements need to be in place to reduce the risk of damage due to inclement weather. Not only will we determine which implements are in place, but we’ll also inform you of the many insurance credits that you may be eligible for when a home is found to be adequately protected.


Request Wind Mitigation Inspection

RECORDS SEARCH W/RISK ASSESSMENT (RSRA)

The Small Business Administration’s environmental policy (SOP 50 10 5(j)) has particular requirements regarding environmental due diligence on properties, which includes Records Search with Risk Assessment (RSRA), Phase 1 Environmental Site Assessments and sometimes additional investigation. A Records Search with Risk Assessment is a limited environmental due diligence tool intended to inexpensively evaluate Environmental Risk Level of a subject property as either being a “high or elevated-risk” or “low risk” for contamination. If the property is not determined “low risk”, an additional environmental investigation may be required.

Request an RSRA

Wind Mitigation Inspection

Radon Testing

Radon is an odorless and colorless gas that can cause lung cancer.  Ongoing exposure to radon gas increases your risk of cancer. We can test for radon in your home or business to protect those who live or work in the building.


Request a radon test

WDO/TERMITE INSPECTION

Termites are a huge burden for homeowners around the country. Once they’ve infested a home, termites are capable of inflicting a staggering amount of damage—potentially costing you thousands. We’ll meticulously inspect a home for damage caused by termites and other wood-destroying organisms, as well as searching for any signs of current infestations.


Request Termite Inspection