Insurance companies in Florida often require a 4-point inspection for homes that are 30 years old or older to ensure that key systems are in good condition and meet safety standards before issuing or renewing a homeowner’s policy. Depending on the carrier, this threshold is typically anywhere from 15 to 30 years old — and in St. Augustine, where so much of the housing stock falls into that range, it’s one of the most common requests homeowners receive.
Homeowners seeking coverage Your insurer has requested a 4-point inspection, which is often required for eligibility for homeowner insurance policies on older homes.
Buyers of older homes Purchasing a home built in the 1990s or earlier? As a buyer, you or your lender may request a 4-point inspection to assess liability and eligibility for insurance coverage before finalizing the transaction.
Policy renewal situations Some insurers request a fresh 4-point at renewal, especially if the home has aged into their required threshold since the last inspection.
Sellers preparing to list Getting ahead of the inspection can help you identify and address issues before selling, reducing liability and improving buyer confidence.
In Florida, many insurance underwriters are hesitant to provide coverage for homes 30 years or older without a 4-Point Inspection due to concerns about potential liabilities from outdated systems.
