Vcita Home Inspection & Service LLC

Scope. A 4-Point inspection is a limited-scope insurance qualification inspection of the four principal building systems: Roof, Electrical, Plumbing, and HVAC. This inspection is not a home inspection and does not evaluate structural, environmental, or life-safety systems beyond the four systems listed.

Form compliance. This report is based on the Citizens Property Insurance Corporation Form Insp4pt 03/25, the current statewide reference form adopted by most Florida residential insurance carriers. All required fields, checkboxes, and photo requirements present on the official form are reproduced on the respective section pages.

Evaluation criteria. Each system was evaluated against:

• Expected remaining useful life - the calendar age of the system relative to industry age benchmarks (e.g., asphalt shingle ≈ 20-25 yrs, concrete tile ≈ 40-50 yrs, copper supply > 50 yrs, PEX supply ≈ 40 yrs, water heater ≈ 10-15 yrs, HVAC condenser ≈ 15-20 yrs).
• Known carrier-flagged hazards - manufacturer or material defect categories that most carriers will not underwrite (e.g., Federal Pacific Stab-Lok and Zinsco panels, polybutylene supply piping, cast-iron drain, unremediated aluminum branch wiring, non-functional TPR valves).
• Functional condition - evidence of active deficiencies (visible leaks, corrosion, scorching, mold, system failure) observed at time of inspection.
• Documentation - permit status and date of updates where applicable, to support carrier underwriting decisions.

Verdict classification. Each system is classified as follows:

• PASS - condition satisfactory, no carrier-flagged hazards, within expected useful life.
• REVIEW - condition acceptable, but age or remediation history warrants underwriter review.
• FAIL - condition unsatisfactory, active deficiency observed, or carrier-flagged hazard present.

Limitations. Observations are strictly visual and non-invasive. Items concealed by finishes, stored items, or contents are outside the scope of this inspection. This report is not a warranty or guarantee of future system performance and should not be relied upon as such. The report reflects the conditions observed on the date of inspection only.

Photographic evidence. All required photos per the Citizens minimum photo list have been captured and are attached as a deduplicated photographic evidence packet within this report. Duplicate captures of the same reference image are consolidated to a single frame.

Confidentiality. This report is prepared for the named applicant / insured and their insurance carrier of record. It may not be used for any other purpose without written consent of the inspector of record.