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Download 4 Point Inspection Template

The 4-Point Inspection Form is a crucial document used primarily in Florida to assess the condition of four essential systems in a home: the roof, electrical, HVAC, and plumbing. This form, completed by a licensed inspector, provides vital information that insurers rely on to determine a property's insurability. By documenting the current state of these systems, the form helps identify any potential hazards or deficiencies that may affect the safety and functionality of the home.

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Content Overview

The 4 Point Inspection form is a crucial tool used to assess the condition of a property’s roof, electrical, HVAC, and plumbing systems. This form is designed to provide a thorough evaluation, ensuring that each system is functioning properly and free of hazards. Essential details such as the insured or applicant's name, application or policy number, and the address of the property are required upfront. The form includes sections that document the age and condition of each system, along with specific requirements for photographs to support the findings. For instance, the electrical section must detail the main panel type, amperage, and any presence of aluminum wiring, while the HVAC section assesses the operational status of heating and cooling systems. Additionally, the plumbing section looks for leaks and the condition of fixtures, and the roof section evaluates the material, age, and any visible damage. Importantly, a licensed Florida inspector must complete and sign the form, providing an objective assessment that underwriters rely on to determine insurability. This process is not just a formality; it is a vital step in safeguarding both the property and the interests of all parties involved.

Key takeaways

1. Purpose of the 4-Point Inspection Form: This form is essential for assessing the insurability of a property by evaluating its roof, electrical, HVAC, and plumbing systems.

2. Importance of Licensed Inspectors: Only a Florida-licensed inspector can complete, sign, and date the form. Their expertise ensures that the information provided is accurate and reliable.

3. Minimum Photo Requirements: Accompanying photos are crucial. Each side of the dwelling, all slopes of the roof, and key plumbing and electrical components must be documented visually.

4. Detailed Documentation: Inspectors must describe any hazards or deficiencies found during the inspection. This includes noting the condition of systems and any visible signs of damage.

5. Condition Certification: The inspector certifies whether each system is functioning properly and free of visible hazards. This certification is vital for underwriting purposes.

6. Additional Comments: Inspectors should provide thorough explanations for any updates or issues identified during the inspection. This section helps clarify the condition of the property.

7. Agent Responsibilities: Agents must review the completed inspection form to ensure compliance with all requirements before submitting it with an application for coverage. Applications for properties with unresolved issues will not be accepted.

Guide to Writing 4 Point Inspection

Completing the 4 Point Inspection form is essential for assessing the condition of key systems in a property. This process involves gathering detailed information about the roof, electrical, HVAC, and plumbing systems. Follow these steps to ensure the form is filled out accurately.

Write the Insured/Applicant Name at the top of the form.
Fill in the Application / Policy # next to the name.
Provide the Address Inspected in the designated space.
Enter the Actual Year Built of the property.
Record the Date Inspected.
Attach the required photos for each section: dwelling, roof, plumbing, and electrical systems.
For the Electrical System, indicate the type of main and second panels, total amps, and whether amperage is sufficient. Note any hazards present.
In the HVAC System section, answer questions about central AC and heating. Provide the age of the system and date of last servicing.
For the Plumbing System, answer questions regarding leaks and the condition of fixtures. Include the age and type of piping.
In the Roof section, provide details about the roof covering, age, and condition. Note any visible damage or signs of leaks.
Complete the Additional Comments/Observations section if necessary, using extra pages if needed.
Ensure the form is signed and dated by a Florida-licensed inspector.

Once the form is completed, it should be submitted along with the necessary photos and any additional documentation required. This will help ensure a smooth underwriting process for the property application.

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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		Type:	Circuit breaker Fuse
Total Amps: __________				Total Amps: __________
Is amperage sufficient for current usage?			Yes No (explain)	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

Main Panel	Second Panel	Wiring Type
Panel age: __________	Panel age: __________	Copper
Year last updated: __________	Year last updated:__________	NM, BX or Conduit
Brand/Model: __________	Brand/Model: __________

Sample Form Insp4pt 01 18

4-Point Inspection Form

HVAC System

Central AC:	Yes	No
Central heat:	Yes	No

If not central heat, indicate primary heat source and fuel type: _________________________________

Are the heating, ventilation and air conditioning systems in good working order?						Yes	No (explain)
Date of last HVAC servicing/inspection: ______________

Hazards Present
Wood-burning stove or central gas fireplace not professionally installed?					Yes	No
Space heater used as primary heat source?			Yes	No
Is the source portable?	Yes	No

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?			Yes	No
Is there any indication of an active leak?	Yes	No
Is there any indication of a prior leak?	Yes	No
Water heater location: _______________________________________________

General condition of the following plumbing fixtures and connections to appliances:
Satisfactory Unsatisfactory		N/A		Satisfactory Unsatisfactory	N/A
Satisfactory Unsatisfactory		N/A		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.).

Supplemental Information

Age of Piping System:		Type of pipes (check all that apply)
_____	Original to home	Copper
		Copper
_____	Completely re-piped	PVC/CPVC
		PVC/CPVC
_____	Partially re-piped	Galvanized
		Galvanized
(Provide year and extent of renovation in the comments below)		PEX
		PEX
		Polybutylene
		Other (specify)

Sample Form Insp4pt 01 18

4-Point Inspection Form

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:

Satisfactory

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

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:

Satisfactory

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

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

Sample Form Insp4pt 01 18

4-Point Inspection Form

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.

Sample Form Insp4pt 01 18

Documents used along the form

The 4-Point Inspection Form is often accompanied by other important documents that help provide a complete picture of a property's condition. These documents assist in the evaluation process for insurance underwriting and ensure that all necessary information is available. Below is a list of some common forms and documents that may be used alongside the 4-Point Inspection Form.

Roof Inspection Form: This form specifically focuses on the condition of the roof. It includes details about the roofing material, age, and any visible damage or leaks. It helps to assess the roof's integrity and potential need for repairs.
Vehicle Purchase Agreement: A critical document in any vehicle transaction, outlining the buyer's and seller's terms, ensuring clarity and protection for both parties. For an excellent template, visit TopTemplates.info.
Electrical Inspection Report: This document provides a thorough evaluation of the electrical system in the home. It details the types of wiring, panel condition, and any safety hazards present. This report is crucial for understanding the electrical safety of the property.
HVAC Inspection Report: This report assesses the heating, ventilation, and air conditioning systems. It includes information on system age, maintenance history, and any issues affecting performance. A well-functioning HVAC system is vital for comfort and safety.
Plumbing Inspection Report: This document outlines the condition of the plumbing systems in the home. It covers the age and type of pipes, any leaks or signs of water damage, and the overall functionality of plumbing fixtures. This report helps identify potential plumbing problems before they escalate.

Each of these documents plays a significant role in the overall assessment of a property. By providing detailed information about specific systems, they help insurance agents and underwriters make informed decisions regarding coverage and risk management.