4-Point Inspection in Florida
A 4-Point inspection evaluates the four systems insurers care most about — roof, electrical, plumbing, and HVAC — so you can get or renew your homeowners policy without delays.
What is a 4-point inspection?
A 4-Point inspection is a focused report on the four major systems of your home: the roof, the electrical system, the plumbing, and the heating and cooling (HVAC). Insurance companies use it to confirm these systems are in safe, serviceable condition — which is why it is almost always required for homes roughly 25 years and older before a carrier will write or renew a policy.
Why insurers ask for a 4-Point report
Insurers request a 4-Point because older systems are the most common source of costly claims — fires from outdated wiring, water damage from failing plumbing, and leaks from aging roofs. A clean 4-Point report tells the carrier your home is a reasonable risk, which keeps you insurable and can prevent surprise non-renewals.
What you get
Keeps You Insurable
Most Florida carriers won't write or renew a policy on an older home without a current 4-Point on file.
Same-Week Scheduling
We know renewals have deadlines, so we prioritize fast scheduling and quick report turnaround.
Insurer-Ready Format
Reports are completed on the standard citizens/carrier-accepted form your agent expects.
Honest Findings
If we spot an issue, we tell you plainly and photograph it — no surprises for you or your agent.
Flat-fee pricing with no hidden charges. Bundle with wind mitigation to save.
How it works
Book Your Inspection
Call or book online and let us know your renewal deadline so we can schedule accordingly.
On-Site Evaluation
We inspect and photograph the roof, electrical panel, plumbing, and HVAC — typically in under an hour.
Report Delivered
You and your agent receive the completed, signed report, usually within 24 hours.
Policy Moves Forward
Your carrier has what they need to write or renew your policy.
What we check, step by step
Here's exactly what your inspector looks at when we're on site — documented and photographed so your report tells the full story.
The Roof
We document the roof covering, its age and condition, and look for active leaks, worn shingles, or past repairs — the number-one thing carriers worry about on an older home.
The Electrical System
We open the panel to check the wiring type, breaker condition, and amperage, flagging outdated or hazardous setups like federal-pacific panels or aluminum branch wiring that insurers won't overlook.
The Plumbing
We identify the supply and drain materials, check the water heater, and look for leaks or aging pipe types like polybutylene that carriers commonly ask about.
The HVAC
We record the age and condition of your heating and cooling equipment and confirm it's operational — the last of the four systems your insurer needs verified.
4-Point inspections near you
Pick your city for local details, neighborhoods, and pricing information.
Treasure Coast
Palm Beach County
Lake Okeechobee
4-Point FAQs
Homeowners trust us with their 4-Point inspections
Cocorna 32
a year ago
THE BEST INSPECTORS I'VE EVER DEALT WITH. I'm from Broward, relocated to Martin County & have used multiple inspectors for investment properties & my personal home. Other companies avoid looking deep (crawl spaces) or getting dirty. This company does. Our inspector (Calvin) is very nice, extremely detailed & his extra steps have saved me thousands. Shocking, because the price for mold, 4-points & wind was VERY competitive.
James Nemeth
8 months ago
I've had nothing but great experiences from meeting Calvin 6 years ago to today. I've had to call on Calvin many times to get my insurance lowered due to the ridiculous insurance rates here in the state of Florida. Thanks to Calvin and his team, my insurance has dropped $1,700 from the previous year. If you need your insurance lowered, do not hesitate to call Calvin Johnson and his team.
Mikayla
a year ago
I couldn't be more impressed with the service I received from Calvin Johnson at Vcita Home Inspection. Not only was the inspection thorough, professional, and clearly explained, but they also went above and beyond by connecting me with a trusted home insurance underwriter. Thanks to that referral, I was able to cut my annual premium in half—literally saving over a thousand dollars! I highly recommend Calvin Johnson to anyone looking for top-tier service and real value.
Ms Tati
4 months ago
Calvin was amazing! He did our home inspections for both our house purchase and insurance, and went above and beyond by helping us with things outside his scope and connecting us with the right people. Truly a blessing! Thank you!
Daniel Torres
2 years ago
I had the pleasure of working with Calvin from Vcita Home Inspections, and I can't say enough positive things about my experience. His attention to detail was remarkable—he left no stone unturned and meticulously examined every aspect of the property. He took the time to explain his findings in a clear and understandable manner, patiently addressing all of my questions and concerns. I wholeheartedly recommend Vcita Home Inspection & Services to anyone in need of a top-notch home inspector.
J M
6 months ago
Mr. Johnson provided timely home inspection services in the most professional, detailed, and thorough manner. He was objective, informative and personable. I highly recommend him. I would use his services again when occasion occurs.