Pre-Loss
Florida Four-Point Inspection for Older Homes
What it covers, when it is required, and how to pass. Essential for homes over 30 years in Florida.
What it covers, when it is required, and how to pass. Essential for homes over 30 years in Florida.
Pre-loss
Why this matters before you have a claim
Four-point inspections cover roof, electrical, plumbing, and HVAC. Carriers require them for older homes to confirm systems are functional. Failing a four-point can mean non-renewal.
What to do
The basics
- 01
Step 1
Schedule with a licensed inspector
- 02
Step 2
Review results before the inspector leaves (can often be fixed on the spot)
- 03
Step 3
Fix any material issues before submitting
- 04
Step 4
Submit to carrier
- 05
Step 5
Keep copy for your records
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the traps
Common mistakes
- XSubmitting a four-point showing a 30-year roof without replacing it first
- XSkipping electrical panel upgrades flagged by inspector
- XAssuming four-point and wind mit are the same document (they are not)
When to seek professional help
If this topic intersects with an open claim or if you have questions that go beyond prep, a licensed Florida public adjuster can review your policy at no cost.
No obligation. No fee unless recovery.
Annual policy review? Open claim? Free consultation.
Licensed Florida public adjuster.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Go deeper
Related resources
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Prepare
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Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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