Services

🏡 What is a 4-Point Inspection?

A 4-Point Inspection is a focused evaluation of the four major systems in your home that are most important to insurance companies: the Roof, Electrical, Plumbing, and HVAC (Heating & Cooling). It’s not as detailed as a full home inspection, but it gives insurers the information they need to decide if a home is safe and insurable. 4 Point Inspection Form

🔨 Roof

Your roof is one of the most important parts of protecting your home. During the inspection, we look at:

The type of roofing material (shingles, tile, metal, etc.)
The roof’s age and estimated remaining life
Visible damage such as missing shingles, soft spots, cracking, or signs of leaks
Any repairs or replacements that have been done

⚡ Electrical System

A safe electrical system helps prevent fire hazards. We check:

The main service panel (type, condition, and capacity)
The type of wiring (copper, aluminum, etc.)
Whether there are any safety concerns such as exposed wiring, improper connections, or outdated materials
If upgrades or repairs have been made over the years

🚰 Plumbing System

Plumbing issues can lead to costly water damage, so this part of the inspection includes:

The type and age of the supply and drain pipes
The water heater’s age, safety features, and condition
Fixtures such as sinks, toilets, tubs, and appliances that use water
Any visible leaks, corrosion, or signs of water damage

❄️ HVAC (Heating & Cooling)

A properly working HVAC system keeps your home comfortable and safe. We review:

Whether central heating and cooling are installed and functioning
The system’s age and overall condition
Any signs of leaks, blocked condensate lines, or water damage
Alternative heating sources (like fireplaces or space heaters) and whether they were installed safely

Why Do I Need a 4-Point Inspection?

Insurance companies often require a 4-Point Inspection for older homes before issuing or renewing a policy. The report helps them understand the condition of the home’s major systems and whether they are free of major safety hazards.

For homeowners, this inspection also provides peace of mind by highlighting any potential issues that may need attention.

👉 In short: A 4-Point Inspection gives both you and your insurance company confidence that your home’s essential systems are in good working order.

🌬️ Wind Mitigation Inspection

In Florida, strong winds and hurricanes are a reality. A Wind Mitigation Inspection is designed to evaluate how well your home can withstand these storms. The inspection focuses on key building features that reduce wind damage — and it often results in valuable insurance discounts.

🔍 What’s Included in a Wind Mitigation Inspection

A licensed inspector will look at several important construction details:

🏠 1. Building Code Compliance

Whether your home was built under more recent, stricter building codes (Florida Building Code 2001 or later, or South Florida Building Code for older homes in Miami-Dade/Broward).

🛡️ 2. Roof Covering

Type of roof material (shingle, tile, metal, etc.)
Age of the roof and permit history
Whether the roof meets current wind-resistant code standards

🔩 3. Roof Deck Attachment

How the roof decking (plywood or OSB) is fastened to the trusses/rafters
Nail size, spacing, and strength of attachment
Stronger attachments provide better wind resistance

🔗 4. Roof-to-Wall Connections

How the trusses/rafters are connected to the walls (toe nails, clips, single wraps, or double wraps)
The stronger the connection, the more resistant your home is to uplift forces in a storm

📐 5. Roof Geometry

Shape of your roof (hip, gable, flat, or other)
Hip roofs generally perform better in high winds and may qualify for larger discounts

💧 6. Secondary Water Barrier

Whether a protective underlayment (such as a self-adhering seal or foam barrier) is installed beneath the roof covering
This helps prevent water intrusion if shingles or tiles are damaged in a storm

🪟 7. Opening Protection

Protection for windows, doors, garage doors, and skylights
Includes hurricane shutters, impact-rated glass, or other approved protection systems
The weakest form of protection is noted, since all openings must be protected for maximum credit

✅ Benefits of a Wind Mitigation Inspection

Insurance Discounts – Florida law requires insurers to offer premium reductions for certain wind-resistant features
Peace of Mind – Know how well your home is protected against high winds
Resale Value – Buyers often view wind mitigation features as a big plus

Why It Matters

A Wind Mitigation Inspection doesn’t just check boxes for insurance — it gives you a clear picture of your home’s storm readiness. Even small upgrades, like improved roof-to-wall connections or installing shutters, can make a big difference in both safety and savings.

👉 In short: This inspection helps protect your home, your family, and your wallet.

🏡 What is a Buyer’s Home Inspection?

A Buyer’s Home Inspection is the most comprehensive inspection available for homebuyers. Unlike a 4-Point Inspection (which only looks at four systems for insurance purposes), a Buyer’s Inspection evaluates the entire home from top to bottom to help you make an informed decision before purchasing.

🔨 Structural Components

We assess the foundation, crawl spaces, walls, ceilings, floors, attic, and overall framing. The goal is to ensure the home’s structure is sound and free from visible signs of settlement, cracking, or damage.

🏠 Roof & Exterior

Roofing materials, flashing, gutters, and drainage
Chimneys, skylights, vents, and roof penetrations
Siding, windows, doors, soffits, fascia, grading, and walkways
Visible signs of leaks, deterioration, or damage

⚡ Electrical System

Main service panel and subpanels
Wiring type, grounding, and amperage capacity
Outlets, switches, GFCI/AFCI protection
Light fixtures and visible connections
Safety hazards such as improper wiring or overheating

🚰 Plumbing System

Supply lines, drain lines, and visible piping
Fixtures such as sinks, toilets, tubs, and showers
Water heater age, condition, and safety features
Signs of leaks, corrosion, or water pressure issues

❄️ HVAC (Heating & Cooling)

Central heating and cooling systems, including air handlers, furnaces, and condensers
Age, operation, and condition of equipment
Ductwork and airflow
Signs of leaks, improper installation, or safety concerns

🔍 Interior Systems

Walls, ceilings, and floors for damage or settlement
Doors, windows, and stairs for proper operation and safety
Cabinetry, countertops, and visible insulation
Fireplace and chimney (if present)

🧯 Safety Features

Smoke detectors and carbon monoxide detectors
Handrails, guards, and general safety hazards

🏡 What is a Pre-Listing Home Inspection?

Selling your home is a big step, and first impressions matter. A Pre-Listing Inspection helps you get ahead of potential buyer concerns by uncovering issues before your home ever hits the market. This proactive step gives you the chance to make repairs, adjust pricing, or simply gain peace of mind knowing there won’t be surprises during the buyer’s inspection.

🔍 What’s Included?

A Pre-Listing Inspection is very similar in scope to a Buyer’s Inspection, covering all the major systems and components of your home, including:

Structural Components – foundation, walls, floors, ceilings, attic, and framing
Roof & Exterior – roofing materials, gutters, siding, windows, and doors
Electrical System – service panel, wiring, outlets, switches, and safety features
Plumbing System – supply and drain lines, fixtures, water heater, and leaks
HVAC (Heating & Cooling) – heating and cooling equipment, ductwork, and operation
Interior Systems – walls, ceilings, floors, cabinetry, fireplaces, and stairs
Safety Features – detectors, handrails, and other safety considerations

✅ Benefits of a Pre-Listing Inspection

Avoid Surprises – Identify issues in advance instead of during the buyer’s inspection
Make Repairs on Your Terms – Fix problems before they become negotiating leverage
Build Buyer Confidence – Show prospective buyers that you’ve maintained your home with transparency
Smoother Closing Process – Reduce the chances of last-minute delays or deal-breaking concerns

Why It Matters

When buyers feel confident about the condition of a home, they’re more likely to make strong offers. A Pre-Listing Inspection helps you stay in control of the selling process by reducing uncertainty, strengthening your negotiating position, and ultimately getting you closer to your asking price.

👉 In short: A Pre-Listing Inspection is your best tool to sell faster, with fewer surprises, and with greater confidence.

🆚 Buyer’s Inspection vs. 4-Point Inspection

4-Point Inspection: Focuses only on the Roof, Electrical, Plumbing, and HVAC systems, and is typically required by insurance companies for older homes. It’s limited to identifying whether these systems are in acceptable condition.
Buyer’s Inspection: A much more thorough evaluation, covering all major systems and components of the home. It provides you with a detailed picture of the home’s condition, helps uncover hidden issues, and gives you valuable information for negotiations and peace of mind before closing.

👉 In short: A 4-Point Inspection is about meeting insurance requirements. A Buyer’s Inspection is about protecting your investment and making the most informed decision possible.

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