The 4-Point Inspection Form is a crucial document used to evaluate the condition of key systems in a property, including the roof, electrical, HVAC, and plumbing systems. This form, completed by a Florida-licensed inspector, helps determine the insurability of a property by documenting any visible hazards or deficiencies. Proper completion of this form ensures that insurance underwriting can make informed decisions regarding coverage.
The 4 Point Inspection form serves as a crucial tool in evaluating the condition of key systems within a property, particularly for insurance underwriting purposes. This form focuses on four primary areas: the electrical system, plumbing, HVAC (heating, ventilation, and air conditioning), and the roof. Each section requires detailed information, including the age of the systems, any visible hazards, and their overall condition. For example, the electrical section not only asks for the type of panel and its amperage but also inquires about potential issues like aluminum wiring or exposed wiring. Similarly, the plumbing section examines fixtures for leaks and the general state of pipes. The HVAC section assesses whether heating and cooling systems are functioning properly, while the roof section evaluates its materials and any signs of damage or deterioration. Accompanying photographs are mandatory, capturing essential aspects such as each side of the dwelling, roof slopes, and critical plumbing components. All of this information is vital, as it helps insurers determine a property's insurability, although it does not guarantee the systems' long-term reliability or safety.
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
Circuit breaker Fuse
Total Amps: __________
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
Wiring Type
Panel age: __________
Copper
Year last updated: __________
Year last updated:__________
NM, BX or Conduit
Brand/Model: __________
Sample Form Insp4pt 01 18
HVAC System
Central AC:
Yes
No
Central heat:
If not central heat, indicate primary heat source and fuel type: _________________________________
Are the heating, ventilation and air conditioning systems in good working order?
No (explain)
Date of last HVAC servicing/inspection: ______________
Wood-burning stove or central gas fireplace not professionally installed?
Space heater used as primary heat source?
Is the source portable?
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?
Is there any indication of an active leak?
Is there any indication of a prior leak?
Water heater location: _______________________________________________
General condition of the following plumbing fixtures and connections to appliances:
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.).
Age of Piping System:
Type of pipes (check all that apply)
_____
Original to home
Completely re-piped
PVC/CPVC
Partially re-piped
Galvanized
(Provide year and extent of renovation in the comments below)
PEX
Polybutylene
Other (specify)
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:
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
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
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.
The 4-Point Inspection Form is an essential document for assessing the condition of key systems in a property. It is often used in conjunction with several other forms and documents that provide additional information and context for the inspection. Below is a list of related documents frequently used alongside the 4-Point Inspection Form.
Utilizing these documents in conjunction with the 4-Point Inspection Form helps provide a comprehensive overview of the property's condition, facilitating informed decision-making for insurance underwriting and property transactions.
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Filling out and utilizing the 4 Point Inspection form requires attention to detail and adherence to specific guidelines. Here are key takeaways to ensure proper use:
The 4-Point Inspection Form is designed to provide a comprehensive evaluation of four critical systems in a residential property: the roof, electrical, HVAC (heating, ventilation, and air conditioning), and plumbing systems. This form is typically required by insurance companies to assess the insurability of a property. It helps determine whether the systems are in good working order and identifies any visible hazards or deficiencies. The information gathered through this inspection is crucial for underwriting decisions, although it does not guarantee the long-term suitability or fitness of the systems inspected.
A Florida-licensed inspector must complete, sign, and date the 4-Point Inspection Form. Acceptable professionals include general contractors, residential contractors, building code inspectors, or home inspectors. It is important to note that trade-specific licensed professionals can only sign off on the section of the form that pertains to their area of expertise. For example, an electrician may only certify the electrical section. This requirement ensures that the inspection is performed by someone with the appropriate knowledge and qualifications.
To accompany the 4-Point Inspection Form, specific photos must be provided to meet the minimum documentation requirements. These photos include:
These photographs are essential for providing visual evidence of the condition of the property and its systems, and they support the findings recorded on the inspection form.
If any deficiencies or hazards are identified during the inspection, the inspector must provide detailed comments in the additional comments section of the form. This includes describing the nature of the deficiencies, any visible hazards, and whether the systems are in good working order. The inspector should also note any updates made to the systems, including the types of updates, dates completed, and who performed the work. It is crucial for agents to review this information carefully before submitting the inspection form with an application for coverage, as properties with unresolved issues may not be eligible for insurance.
Misconceptions about the 4 Point Inspection form can lead to confusion and delays. Here are ten common misunderstandings:
Understanding these misconceptions can help ensure a smoother inspection process and avoid potential issues with insurance coverage.