Tampa Bay Four Point Insurance Inspections
Inspections conducted by Square One Inspection, Four Point Florida or one of our listed affiliates are guaranteed to be accepted by every insurance company doing business in the state of Florida or your money back. We can make this claim because all of our inspectors are insurance company approved State Licensed Home Inspectors who more importantly, do not perform repair work. By using Square-One Inspection Service you are guaranteed a fair price for an approved inspection and will never be pestered by contractors selling needless repairs.
The Four Point Insurance Inspection was created after Hurricane Andrew struck Florida in 1992. It is performed on behalf of the insurance companies and, typically, as a requirement for the insurer offering insurance to the homeowner. After 2004's barrage of hurricanes in Florida, the Four Point Insurance Inspection has taken on added importance. As insurance companies are beginning to see the benefit of the inspection, the program is spreading to other areas of the country. The benefit to the insurance company is, obviously, reduced loss risk on homeowners insurance policies.
In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). This resulted in the creation of Citizens Property Insurance Corporation (Citizens), which more efficiently and effectively provides insurance to, and serves the needs of, homeowners in high-risk areas and others who cannot find coverage in the open, private insurance market. It is funded by premiums paid by the insured and from other insurance companies paying into the program to reduce their overall losses.
The Four Point Insurance Inspection consists of a visual survey of the following four primary components:
- HVAC System
The insurance companies are expecting the condition of the components listed above to be working as intended within the manufacturer’s specifications. The criteria used to judge the components include:
- Current operating conditions
- Scheduled maintenance requirements
- Expected service life
Frequently Asked Questions:
Is there a standard form to fill out?
There is no industry wide standard form for a Four Point Inspection. Some insurance companies provide their own forms; however, most insurance companies will accept forms from companies that perform home inspections provided that they are filled out by qualified individuals. Square-One Inspection Service has developed a form that meets the requirements of most insurance companies in Florida. They are signed by an State Licensed Florida Certified Master Inspector.
Can I fill out the form myself?
Insurance companies want these forms filled out by certain qualified individuals such as a licensed Professional Engineer, Electrician, General or Roofing Contractor and Home Inspectors.
I had a home inspection before I purchased the home. Can I use that report instead of getting a Four Point Inspection Report?
The insurance companies do not want large reports that contain other information. They want only specific information about the HVAC, plumbing, electrical system and roof in a short one or two page signed document.
In summary, the Four Point Insurance Inspection program is gaining in popularity and will likely continue to expand as the insurance companies recognize the value of the inspection and the savings benefits it provides to the insurance carrier. Square-One Inspection Service is proud to offer four point insurance inspections as part of our full line of inspection services.
Click here to download a PDF Sample 4-Point Inspection Report.
Click Links to other Certified Insurance Inspectors outside of the Greater Tampa Bay area.
For Orlando, Brevard or the SpaceCoast of Florida
Call 813-864-7697 Today to Schedule Your Inspection
Call Toll Free 1-866-499-1451