Fill in a Valid 4 Point Inspection Template

The 4-Point Inspection Form is a crucial document used to assess the condition of a property's roof, electrical, HVAC, and plumbing systems. This form is typically required by insurance companies to determine whether a property is insurable. A licensed inspector must complete this form, ensuring that all necessary details are documented for review.

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Table of Contents

The 4 Point Inspection Form is a critical tool for assessing the condition of key systems in a property. This form focuses on four primary areas: the roof, electrical system, HVAC system, and plumbing. Each section requires detailed information, including the age of the systems, any visible hazards, and general conditions. For instance, the electrical section demands specific insights into the main panel, circuit types, and potential safety issues like exposed wiring or improper grounding. Similarly, the HVAC section evaluates the functionality of heating and cooling systems, while the plumbing section checks for leaks and the condition of fixtures. The roof assessment not only identifies the covering material and age but also highlights any signs of damage or deterioration. To ensure accuracy and reliability, a Florida-licensed inspector must complete the form, providing necessary photos and details that will guide underwriting decisions. It is essential to understand that this form is not just a checklist; it plays a vital role in determining a property's insurability and safety. Proper completion and submission of the 4 Point Inspection Form can expedite the insurance process and safeguard both the property owner and the insurer.

Documents used along the form

The 4-Point Inspection form is a crucial document used to evaluate the condition of a property's roof, electrical, HVAC, and plumbing systems. Several other forms and documents often accompany this inspection to provide additional information and ensure a thorough assessment. Here are five commonly used documents:

Roof Inspection Form: This document focuses solely on the roof's condition. It details the materials used, age, and any visible damage or leaks. A separate roof inspection may be required if the 4-Point Inspection indicates concerns.
Dirt Bike Bill of Sale: This important document aids in the transfer of ownership for dirt bikes, ensuring a clear understanding of the transaction details. For the necessary form, visit https://califroniatemplates.com.
HVAC Service Records: These records provide information about the maintenance and servicing history of the heating, ventilation, and air conditioning systems. They help verify whether the HVAC systems are in good working order and when they were last inspected.
Electrical Inspection Report: This report is completed by a licensed electrician and outlines the condition of the electrical systems. It details any issues found during inspection, such as outdated wiring or safety hazards, and may include recommendations for repairs.
Plumbing Inspection Report: Similar to the electrical report, this document is prepared by a licensed plumber. It assesses the plumbing systems and identifies any leaks, corrosion, or other issues that may affect the property's insurability.
Photos of Property: Accompanying photos are essential for visual documentation. They should include images of the roof, electrical panel, plumbing fixtures, and any visible hazards or deficiencies noted during the inspection. These images support the findings in the 4-Point Inspection form.

These documents work together to provide a comprehensive view of the property's condition. Ensuring all necessary forms are completed and submitted can help streamline the underwriting process and facilitate a smoother insurance application experience.

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4 Point Inspection Example

4-Point Inspection Form

Insured/Applicant Name:_________________________________________________ Application / Policy #:__________________________

Address Inspected:___________________________________________________________________________________________________

Actual Year Built:________________________		Date Inspected: ______________________________________________

Minimum Photo Requirements:
Dwelling: Each side	Roof: Each slope	Plumbing: Water heater, under cabinet plumbing/drains, exposed valves

Main electrical service panel with interior door label

Electrical box with panel off

All hazards or deficiencies noted in this report

A Florida-licensed inspector must complete, sign and date this form.

Be advised that Underwriting will rely on the information in this sample form, or a similar form, that is obtained from the Florida licensed professional of your choice. This information only is used to determine insurability and is not a warranty or assurance of the suitability, fitness or longevity of any of the systems inspected.

Electrical System

Separate documentation of any aluminum wiring remediation must be provided and certified by a licensed electrician.

Main Panel				Second Panel
Type:	Circuit breaker	Fuse		Type:	Circuit breaker Fuse
Total Amps: __________				Total Amps: __________
Is amperage sufficient for current usage?			Yes No (explain)	Is amperage sufficient for current usage?		Yes No (explain)

Indicate presence of any of the following:

Cloth wiring

Active knob and tube

Branch circuit aluminum wiring (If present, describe the usage of all aluminum wiring):

* If single strand (aluminum branch) wiring, provide details of all remediation. Separate documentation of all work must be provided.

Connections repaired via COPALUM crimp Connections repaired via AlumiConn

Hazards Present			Double taps
Blowing fuses			Exposed wiring
Tripping breakers			Unsafe wiring
Empty sockets			Improper breaker size
Loose wiring			Scorching
Improper grounding			Other (explain)
Corrosion
Over fusing

General condition of the electrical system:	Satisfactory	Unsatisfactory (explain)

Supplemental information

Main Panel	Second Panel	Wiring Type
Panel age: __________	Panel age: __________	Copper
Year last updated: __________	Year last updated:__________	NM, BX or Conduit
Brand/Model: __________	Brand/Model: __________

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4-Point Inspection Form

HVAC System

Central AC:	Yes	No
Central heat:	Yes	No

If not central heat, indicate primary heat source and fuel type: _________________________________

Are the heating, ventilation and air conditioning systems in good working order?						Yes	No (explain)
Date of last HVAC servicing/inspection: ______________

Hazards Present
Wood-burning stove or central gas fireplace not professionally installed?					Yes	No
Space heater used as primary heat source?			Yes	No
Is the source portable?	Yes	No

Does the air handler/condensate line or drain pan show any signs of blockage or leakage, including water damage to the surrounding area?

Yes No

Supplemental Information

Age of system: _____________

Year last updated: _____________

(Please attach photo(s) of HVAC equipment, including dated manufacturer’s plate)

Plumbing System

Is there a temperature pressure relief valve on the water heater?			Yes	No
Is there any indication of an active leak?	Yes	No
Is there any indication of a prior leak?	Yes	No
Water heater location: _______________________________________________

General condition of the following plumbing fixtures and connections to appliances:
Satisfactory Unsatisfactory		N/A		Satisfactory Unsatisfactory	N/A
Satisfactory Unsatisfactory		N/A		Satisfactory Unsatisfactory	N/A
Dishwasher				Toilets
Refrigerator				Sinks
Washing machine				Sump pump
Water heater				Main shut off valve
Showers/Tubs				All other visible

If unsatisfactory, please provide comments/details (leaks, wet/soft spots, mold, corrosion, grout/caulk, etc.).

Supplemental Information

Age of Piping System:		Type of pipes (check all that apply)
_____	Original to home	Copper
		Copper
_____	Completely re-piped	PVC/CPVC
		PVC/CPVC
_____	Partially re-piped	Galvanized
		Galvanized
(Provide year and extent of renovation in the comments below)		PEX
		PEX
		Polybutylene
		Other (specify)

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4-Point Inspection Form

Roof (With photos of each roof slope, this section can take the place of the Roof Inspection Form.)

Predominant Roof

Covering material: __________

Roof age (years): __________

Remaining useful life (years): __________

Date of last roofing permit: __________

Date of last update: __________

If updated (check one):

Full replacement Partial replacement

%of replacement: __________

Overall condition:

Satisfactory

Unsatisfactory (explain below)

Any visible signs of damage / deterioration?

(check all that apply and explain below)

Cracking

Cupping/curling

Excessive granule loss

Exposed asphalt

Exposed felt

Missing/loose/cracked tabs or tiles

Soft spots in decking Visible hail damage

Any visible signs of leaks? Yes No

Attic/underside of decking Yes No

Interior ceilings Yes No

Secondary Roof

Covering material: __________

Roof age (years): __________

Remaining useful life (years): __________

Date of last roofing permit: __________

Date of last update: __________

If updated (check one):

Full replacement Partial replacement

%of replacement: __________

Overall condition:

Satisfactory

Unsatisfactory (explain below)

Any visible signs of damage / deterioration?

(check all that apply and explain below)

Cracking

Cupping/curling

Excessive granule loss

Exposed asphalt

Exposed felt

Missing/loose/cracked tabs or tiles

Soft spots in decking Visible hail damage

Any visible signs of leaks? Yes No

Attic/underside of decking Yes No

Interior ceilings Yes No

Additional Comments/Observations (use additional pages if needed):

All 4-Point Inspection Forms must be completed and signed by a verifiable Florida-licensed inspector. I certify that the above statements are true and correct.

Inspector Signature	Title	License Number	Date

Company Name	License Type	Work Phone

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4-Point Inspection Form

Special Instructions: This sample 4-Point Inspection Form includes the minimum data needed for Underwriting to properly evaluate a property application. While this specific form is not required, any other inspection report submitted for consideration must include at least this level of detail to be acceptable.

Photo Requirements

Photos must accompany each 4-Point Inspection Form. The minimum photo requirements include:

•Dwelling: Each side

•Roof: Each slope

•Plumbing: Water heater, under cabinet plumbing/drains, exposed valves

•Open main electrical panel and interior door

•Electrical box with the panel off

•All hazards or deficiencies

Inspector Requirements

To be accepted, all inspection forms must be completed, signed and dated by a verifiable Florida-licensed professional. Examples include:

•A general, residential, or building contractor

•A building code inspector

•A home inspector

Note: A trade-specific, licensed professional may sign off only on the inspection form section for their trade. (e.g., an electrician may sign off only on the electrical section of the form.)

Documenting the Condition of Each System

The Florida-licensed inspector is required to certify the condition of the roof, electrical, HVAC and plumbing systems. Acceptable Condition means that each system is working as intended and there are no visible hazards or deficiencies.

Additional Comments or Observations

This section of the 4-Point Inspection Form must be completed with full details/descriptions if any of the following are noted on the inspection:

•Updates: Identify the types of updates, dates completed and by whom

•Any visible hazards or deficiencies

•Any system determined not to be in good working order

Note to All Agents

The writing agent must review each 4-Point Inspection Form before it is submitted with an application for coverage. It is the agent’s responsibility to ensure that all rules and requirements are met before the application is bound. Agents may not submit applications for properties with electrical, heating or plumbing systems not in good working order or with existing hazards/deficiencies.

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FAQ

What is a 4 Point Inspection Form?

The 4 Point Inspection Form is a document used to assess the condition of four key systems in a property: the roof, electrical system, HVAC (heating, ventilation, and air conditioning), and plumbing. This inspection is typically required for homeowners insurance applications, especially for older homes. It helps insurance companies determine the insurability of a property based on the condition of these critical systems.

Who can complete the 4 Point Inspection Form?

A Florida-licensed inspector must complete, sign, and date the 4 Point Inspection Form. Acceptable professionals include general contractors, residential contractors, building code inspectors, and home inspectors. It's important to note that a trade-specific licensed professional can only sign off on the section related to their area of expertise. For instance, an electrician can only certify the electrical system.

What information is required on the form?

The form requires several key pieces of information, including:

Insured/applicant name and policy/application number
Address of the property being inspected
Year the property was built and date of inspection
Details about each of the four systems, including their condition and any hazards or deficiencies noted
Photos of each side of the dwelling, each slope of the roof, and key plumbing and electrical components

This detailed information helps insurers assess the property’s condition and potential risks.

What are the minimum photo requirements?

To ensure a thorough evaluation, the 4 Point Inspection Form must be accompanied by specific photos. The minimum requirements include:

Each side of the dwelling
Each slope of the roof
Water heater, under cabinet plumbing/drains, and exposed valves
Main electrical panel with the interior door label visible
Electrical box with the panel off
Any noted hazards or deficiencies

These photos provide visual evidence of the condition of the systems and help support the inspector's findings.

What happens if deficiencies are noted during the inspection?

If any deficiencies or hazards are identified during the inspection, the inspector must provide detailed comments in the “Additional Comments/Observations” section of the form. This includes noting any updates made to the systems, any visible hazards, and any systems that are not functioning properly. It's crucial for agents to review the completed form to ensure that all issues are addressed before submitting an insurance application.

Key takeaways

Here are some key takeaways regarding the use of the 4 Point Inspection form:

Complete Information: Ensure that all sections of the form are filled out completely, including the insured/applicant name, application/policy number, and address inspected.
Photo Documentation: Include the required photos for each system. Photos must show each side of the dwelling, each slope of the roof, and key plumbing and electrical components.
Licensed Inspector: Only a Florida-licensed inspector can complete, sign, and date the form. This is crucial for the form's validity.
System Condition Certification: The inspector must certify the condition of the roof, electrical, HVAC, and plumbing systems, indicating whether they are satisfactory or unsatisfactory.
Hazards and Deficiencies: Any hazards or deficiencies noted during the inspection must be clearly documented in the report.
Amperage Checks: For the electrical system, assess whether the amperage is sufficient for current usage and provide explanations if not.
HVAC System Status: Confirm whether the HVAC systems are in good working order and include the date of the last servicing or inspection.
Plumbing System Inspection: Check for active leaks and ensure that all plumbing fixtures are in satisfactory condition.
Roof Condition: Evaluate the overall condition of the roof and note any visible signs of damage or leaks.
Agent Review: The writing agent must review the form before submission to ensure compliance with all requirements.

These points help ensure that the 4 Point Inspection form is completed accurately and meets the necessary standards for underwriting purposes.

Form Characteristics

Fact Name	Description
Purpose	The 4-Point Inspection Form evaluates the condition of a home’s roof, electrical, HVAC, and plumbing systems for insurance underwriting.
Photo Requirements	Photos of each side of the dwelling, all roof slopes, and key plumbing and electrical components are mandatory.
Inspector Qualifications	A Florida-licensed inspector must complete, sign, and date the form. Acceptable professionals include general contractors, home inspectors, and building code inspectors.
Documentation	Separate documentation is required for any remediation of aluminum wiring, certified by a licensed electrician.
Condition Certification	The inspector must certify that each system is in acceptable condition, meaning it works as intended without visible hazards.
State-Specific Law	In Florida, the form is governed by state insurance regulations that require detailed inspection reports for property insurance applications.
Agent Responsibility	Agents must review the completed form before submission to ensure compliance with all insurance requirements.