Deltona 4 Point Insurance Inspection
Save $50 on your Deltona 4 Point Inspection when scheduled with your Home Inspection in our Central Florida service area or Wind Mitigation Inspection in Seminole or Volusia Counties.
A Four Point Insurance Inspection is often required when obtaining a new homeowners insurance policy or renewing an existing policy in Florida. The inspection includes a limited scope evaluation of the following four systems:
- Roof Inspection
- Electrical Inspection
- HVAC (Heat, Ventilation & A/C)
- Plumbing
The focus of the 4-point insurance inspection is to determine the approximate age, components, and general condition of these systems. A Deltona 4 Pt insurance inspection is NOT a comprehensive home inspection and can take less than an hour to complete. This type of insurance inspection should not be confused with a residential home inspection, which is more comprehensive in detail and scope.
Never waive your home inspection. You should beware of a realtor or agent asking you to waive your right to a home inspection or substitute a 4 Pt Inspection.
The Four Point or 4 Pt Inspection is completed by a trained, licensed, and qualified inspector. The inspectors are required to be State of Florida Licensed Home Inspectors.
The 4 Point Insurance Inspection was developed after Hurricane Andrew struck Florida in 1992. The inspection is performed on behalf of the insurance companies; it is a requirement for the insurer issuing insurance to the new homeowner. Insurance companies may also require four-point inspections on homes that have reached 20, 40, or 50 years or more. After the 2004 round of hurricanes in Orlando and Central Florida, the Four Point Insurance Inspection has renewed importance.
Insurance companies see the benefit of the inspection; the program is spreading to other areas of the United States. The insurance company desired result is reduced loss on homeowner’s insurance policies. Most Insurance companies require a 4 Pt Inspection on homes 20 - 30 years and older. Some require a four-point inspection for homes as new as ten years old.
The upside to the homeowner is; you know what conditions the four main components of your home. You can budget for future repair or replacement.
The insurance company requires the four systems of your home to be in good working condition and fulfilling their intended functions. The insurance company is looking to see that the home's main systems are up to date.
A 4-point inspection looks at
the age and functionality of the roof systems, electrical, HVAC
(heating and cooling), and plumbing. Specifically, they want to
know the age of each of the systems, their life expectancy, and
when they were updated.
The roof inspection verifies the type of roof covering of the home and how many layers. The inspector inspects the roof for any visible roof truss damage, any visible roof leaks, any flashing damage, or missing shingles. The insurance companies want to know the age of the roofing materials and the estimated life remaining.
(386) 624-3893
Schedule your Deltona 4 Pt Insurance Inspection Today
The electrical portion focuses on the main panel. Is it a fused box or breaker panel? Is the amperage of the panel sufficient for the load of the home? What type of main panel, type of panel, and type of breakers are present. Federal Pacific, Zinsco, and Sylvania panels are panel types with known defects. The branch wiring, type of wiring, grounding, outlets, GFCI outlets within 6 feet of wet locations, and AFCI outlets in bedrooms is recorded.
The HVAC (heating and cooling) systems, details are the type of system in the home, the age of the system, and when the system was last upgraded.
The plumbing section checks the water pressure in the home, type of water supply, drain lines, and shut off valves. It covers the hot water heater (electric, gas or on demand), and if the TPR valve is present, properly installed and the age of the unit. Have the systems been upgraded and when?
Preparing for the 4 Point Insurance Inspection
The 4 Pt insurance inspector will require access to certain areas of your home. The inspector needs to access the water heater, furnace or air condition system, electrical panel, and every plumbing fixture. The plumbing fixtures include all sinks, toilets, and washing machine plumbing. The attic should be accessible for inspection.
We offer services to all homeowners and provide inspection for all insurance companies. We provide homeowner insurance inspections for the following companies; Allstate, Chubb Insurance, Security First, State Farm, Travelers, Farmers Insurance, American Strategic Insurance (ASI), Kin Insurance, UPC Insurance, USAA, Tower Hill Insurance, People’s Trust Insurance, ASI Preferred, United Services Automobile Association
(USAA), Florida Peninsula Insurance Company, First Protective Insurance Company, Castle Key Indemnity Company, Florida Family Insurance Company, American Bankers Insurance Company, Ark Royal, FedNet, Heritage Property, Universal Property & Casualty, Citizens Property, St. Johns Insurance, American Integrity, Progressive, Florida Peninsula Insurance, and Homeowners Choice to name a few.
4 Point Insurance Inspector, Deltona, DeBary, DeLand, Lake Helen, Sanford, & Orange City
Now you can put our
outstanding reputation for service and reliability to work for you.
By contracting First Choice Home Inspections, you benefit from
experienced Central Florida home inspectors that deliver
computerized reports using the latest technology.
Our
reporting system meets and exceeds the state standards. We
encourage your presence during the inspection. By being present at
the inspection, our professional home inspectors can familiarize
you with the home and explain things to you as they progress
through the inspection.
Schedule
your Deltona 4 Pt Inspection with a Home Inspection
in Central Florida or just the Four Point Insurance
Inspection in Seminole and Volusia Counties.
INSPECTORS
First
Choice inspectors are bound to a strict code of ethics; this
ensures quality service while providing important protections. For
example, our inspectors must:
- Work Exclusively for the Customer
- Follow Nationally Accepted Standards of Practice
- Do Not Perform Repairs on Any Property Inspected
Our inspectors are AHIT and InterNachi certified, in addition, they are familiar with a wide variety of situations.
We believe that consumers have the right
to expect the highest standards of thoroughness, fairness and
effectiveness from their home inspector, and that is exactly what
we provide.
Schedule an Inspection:
(386) 624-3893
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LINE IS NOT FOR ADVERTISERS)
Office
Hours
Monday
to Friday: 8 AM to 5 PM
Saturday: 9 AM to 5 PM,
Sunday: 11 AM to 3
PM
Updated: 07/29/2023
What is the cost 4 Point Insurance Inspection?
Seminole and Volusia County 4 Pt Insurance Inspection, Wind Mitigation Inspection, or Roof Condition Certification Inspection are $150.00. Citizens 4 Pt Insurance are $225.00*. Insurance inspection outside this service area only available when scheduled with a home inspection.
Multi Inspection discount - Schedule 2 or more inspections at the same address and time, and get $50.00 off the 4 pt Insurance Inspection.
For Citizens Property Insurance Corporation Only: As of 9/1/2018 Citizens Insurance requires a new and far more extensive 4 Pt Inspection than the standard 4 Pt Insurance Inspection. If for Citizens, notify Inspector before your scheduled inspection you require a Citizens 4 Pt Insurance Inspection. We will not complete a Citizens Insurance Inspection unless scheduled. A regular 4 Point Inspection can not be made into a Citizens 4 PT Inspection after the inspection.
Citizens Property Insurance Corporation
implemented significant changes to the requirements for 4-Point
Insurance Inspection. The changes announced were in Citizens
Bulletin 02.09.18 to Florida insurance agents.
The objective of the updates of the 4-Point Insurance Form
(Insp4pt 01 18) and Roof Inspection Form
(RCF-1 01 18), as communicated by Citizens, is “to
evaluate risks better and determine whether a property meets
Citizens’ eligibility guidelines.”
The Citizens Bulletin, dated February 9th, 2018 stated, “Agents and
licensed inspectors should begin using the updated forms
immediately. After September 1st 2018 if the agent submits a
previous version of the form(s), Underwriting may request
additional information of create other underwriting actions”.
The new Citizens 4-Point Insurance form mandates
significantly more information than previous forms and an extensive
list of photographs. The updated Citizens 4 Pt Insurance
form is five pages longer and more indepth.
Detailed documentation required
includes:
A licensed electrical contractor must provide separate
documentation of any aluminum wiring remediation. The directive
requires detailed documentation for any “hazards present.” List of
electrical hazards includes; empty sockets, improper grounding,
corrosion, double taps and exposed wiring.
The HVAC system section was also updated. Citizens added "Date of
last HVAC servicing / inspection" to the report. They also require
inspection of the “air handler/condensate line OR drain pan signs
of blockage or leakage, including water damage to the surrounding
areas” to be included in the inspection.
The Plumbing system addition was the most extensive update.
Photographs and documentation of all valves is now a requirement.
The inspector is to report on the condition of ALL plumbing
fixtures, appliances, and bathroom tile with specific comments for
leaks, wet/soft spots, damage tile, mold, corrosion, grout/caulk,
and corrosion on any valve.
The roofing system has extensive photo requirements also. The form
requires the inspector to inspect for signs of roof leaks on the
ceilings; and in attic. The date of the last roofing permit is now
required.
The Premier Deltona Home Inspector blogging
about home inspection related issues and topics.
Articles include Deltona Home Inspection, 4 Pt
Insurance Inspections, Wind Mitigation
Inspections, Roof Condition Certification
Inspections, Mobile Home
Inspection, Deltona First Time Home
Buyers, Swimming Pool Inspection, Spa /
Sauna Inspections, safety concerns, and maintenance issues
found in Volusia County homes. Inspection Services provided in
Orange County, Seminole County, Volusia County, and Lake County.
Now Servicing areas
of Flagler, Marion, Osceola,
and Brevard Counties. Volusia
County cities serviced
include Deltona, Deltona
Lakes, Debary, Deland, Daytona
Beach, Daytona
Beach Shores, DeLeon
Springs, Enterprise, Edgewater, Holly
Hill, Lake
Helen, New
Smyrna Beach, Ormond
Beach, Ormond-by-the-Sea, Osteen, Port
Orange, Ponce
Inlet,
and South
Daytona.
Thank you for choosing
First Choice Home Inspections.
First Choice Home Inspections is a complete inspection service, with office located in Deltona, Florida. We are a fully licensed, nationally certified, professional and reliable company.
We service Volusia, Seminole, Orange and Lake Counties. We now offer limited services in areas of Flagler, Marion, Osceola and Brevard Counties of Central Florida.
Schedule an Inspection,
CALL
(386) 624-3893.
