4 Point Inspections in Florida
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Are you an investor or homeowner who doesn't need a full home inspection but still wants essential systems evaluated? A 4-Point Inspection may be exactly what you need. This insurance-focused, limited-scope inspection evaluates the four areas most commonly required by insurers: the roof, electrical system, plumbing system, and HVAC system.
Designed to give you confidence in the property's insurability and overall condition, this streamlined inspection is available to our Florida customers. Let our experienced inspectors provide the critical insights you need to make an informed decision.
When Should You Get a 4 Point Inspection?
A 4-Point Inspection is typically needed when a homeowner is securing or renewing insurance coverage—especially for older homes or properties in states like Florida where insurers require proof that key systems are in safe, functional condition. You should get a 4-point inspection when:
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Your insurance company requests it before issuing or renewing a policy
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The home is 25 years or older, or falls into an age category that triggers insurer requirements
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You're purchasing an investment property and want quick insight into the condition of major systems
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You need documentation on the roof, electrical, plumbing, or HVAC systems for underwriting
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You want a limited-scope evaluation instead of a full home inspection
LunsPro Inspections provides clear, insurance-ready reporting so you can move forward with confidence and avoid delays in your coverage. Let our experts help ensure the home meets your insurer's criteria.
Frequently Asked Questions
Q What is a 4-point inspection?
A 4-point inspection is a limited, insurance-focused evaluation of the four major systems that impact a home's insurability: roof, electrical, plumbing, and HVAC. LunsPro Inspections provides clear, insurer-ready reporting to help homeowners secure or renew coverage.
Q Why do insurance companies require a 4-point inspection?
Insurers often request a 4-point inspection—especially on older homes—to confirm that critical systems are safe, operable, and free of major hazards. This helps them assess risk before issuing or renewing a policy.
Q When should I schedule a 4-point inspection with LunsPro?
You should schedule one when your insurance company requests it, when purchasing or insuring an older home, or when you want a quick overview of major systems without a full home inspection.
Q What systems does LunsPro evaluate during a 4-point inspection?
LunsPro assesses Roofing (age, condition, materials), Electrical system (wiring type, panel safety, hazards), Plumbing system (pipe materials, leaks, age), and HVAC system (cooling/heating functionality, age, and safety).
Q Is a 4-point inspection the same as a full home inspection?
No. A 4-point inspection is limited in scope and focuses solely on major systems relevant to insurance underwriting. It does not evaluate the entire home like a full home inspection.
Q How long does a 4-point inspection take?
Most 4-point inspections take 30-60 minutes, depending on accessibility and system complexity. LunsPro delivers fast, accurate reports designed to meet insurance requirements.
Q Do I need a 4-point inspection if my home is new?
Typically, no. Newer homes usually don't require this type of inspection. Insurance companies primarily request 4-point evaluations for homes 25 years or older or based on policy guidelines.
Q Will a 4-point inspection help lower my insurance premium?
It may. Some insurers offer better rates or policy eligibility when critical systems are verified as safe and properly maintained. LunsPro provides documentation that can support underwriting and premium decisions.
Q What happens if an issue is found during the inspection?
If LunsPro identifies system deficiencies, the insurer may require repairs before issuing coverage. Our detailed reporting helps homeowners clearly understand what needs correction to meet insurance standards.
Q Can I use a 4-point inspection when buying a home?
Yes—investors and buyers often order a 4-point inspection to quickly evaluate high-risk systems. While not a substitute for a full inspection, it provides essential insight into potential insurance or safety concerns.