Closer Look Inspections, Inc.

In our competitive real estate market, buyers often feel pressure to move quickly, sometimes skipping important steps to secure their dream home. However, we’ve seen firsthand the risks of skipping a Four-Point Inspection, particularly on older homes. In this article, we’ll share real stories about homebuyers who faced costly and stressful consequences because they chose not to get a Four-Point Inspection before finalizing their purchase. These examples highlight why a Four-Point Inspection is not just an insurance requirement—it’s an essential safeguard for your investment. Costly Roof Surprise The Scenario: A young couple found their perfect starter home in Orlando, Florida. Built in the early 1980s, the home had an appealing price and seemed to be in good shape. To speed up the buying process, they decided to skip the Four-Point Inspection, thinking that the general home inspection was enough. What Went Wrong: After closing on the house, the couple applied for homeowners’ insurance....

In our unique climate, having a safe, functional home is critical—not only for your comfort but also to secure necessary insurance coverage. If you own or are buying an older home in Florida, chances are you’ve heard about the Four-Point Inspection. But what exactly is it? Why do you need one, and how can you prepare? Let’s answer all these questions… What is a Four-Point Inspection? A Four-Point Inspection is a focused evaluation of the four primary systems of a home: Roof Electrical Plumbing HVAC (Heating, Ventilation, and Air Conditioning) Unlike a full home inspection that covers every aspect of the property, a Four-Point Inspection zeroes in on these critical areas to assess their condition, age, and functionality. The report is usually short and concise, providing a snapshot of the home’s key systems. It’s often required for homes that are 10 years or older when applying for homeowners' insurance. We have even seen it required for brand new homes. It will depend on your insur...

  What is a Four-Point Inspection? A four-point inspection is a specialized evaluation that focuses on four primary systems of a home: the roof, electrical system, plumbing, and HVAC (heating, ventilation, and air conditioning). This type of inspection is often required by insurance companies, particularly for homes that are 10+ years old or older, before they will issue or renew a homeowner's insurance policy. The goal of a four-point inspection is to assess the current condition and remaining lifespan of these critical systems, rather than providing a comprehensive assessment of the entire home. What Does a Four-Point Inspection Cover? 1. Roof The roof is one of the most critical components of a home, protecting it from the elements and maintaining its structural integrity. During a four-point inspection, the inspector will evaluate the following aspects of the roof: Age and Type : The inspector will determine the age and type of roofing material used, such as shingles, tiles, or...