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4 Point Inspection Jacksonville FL

The Best 4 Point Inspection Jacksonville, FL Services

4 Point Inspection Jacksonville, FL Services

A “Four Point Inspection” focuses only on four main areas:
  • Roof

    Eaves, Soffits, Shingles, etc.

  • Plumbing

    Connections & Fixtures

  • Electrical

    Wiring & Panels

  • HVAC

    Heating, Ventilation, & Air Conditioning Systems

Why Do I Need A 4 Point Inspection Jacksonville, FL?

Insurance companies have become increasingly cautious about issuing homeowner insurance policies on older homes—typically those 25 years or older—especially in Florida. In Jacksonville, many homes fall into this category, making additional documentation a common requirement during policy underwriting.

From an insurer’s perspective, the concern is risk. Aging components can fail and lead to costly claims. For example, a roof that is nearing the end of its service life may be more vulnerable to leaks or storm damage. Similar risks exist with older electrical systems, plumbing, and HVAC equipment, particularly if they are outdated, improperly installed, or no longer meet current safety standards. Failures in these systems can result in fire damage, water loss, or significant property damage.

This is why insurance carriers often require a 4 point inspection Jacksonville FL before approving or renewing coverage. A 4 point inspection evaluates the four major systems insurers care about most—roofing, electrical, plumbing, and HVAC—and provides the detailed condition information needed to assess insurability.

A professional 4 point inspection Jacksonville FL helps homeowners demonstrate the current condition of these critical systems, reduce insurance delays, and address potential issues before they become costly problems.

ABOUT

Jacksonville, FL

Jacksonville, Florida is one of the largest cities in the United States by land area, offering a wide mix of historic neighborhoods, coastal properties, and modern developments. From older homes near Riverside and San Marco to newer construction in areas like Nocatee and the Northside, Jacksonville’s diverse housing stock brings unique inspection considerations—especially when it comes to insurance requirements.

Because many homes in the Jacksonville area are older or exposed to Florida’s coastal climate, insurance companies often require a 4 point inspection in Jacksonville FL before issuing or renewing a policy. High humidity, salt air, heavy rainfall, and hurricane exposure can all impact a home’s roof, electrical system, plumbing, and HVAC—making a thorough, accurate inspection essential.

Inside & Out Property Inspectors understands the specific challenges Jacksonville homeowners face. Our local experience allows us to identify common issues found in Northeast Florida homes and provide clear, insurance-ready reports that meet carrier requirements. Whether you’re purchasing a home, changing insurance providers, or renewing coverage, a professional 4 point inspection Jacksonville FL helps protect your investment and avoid delays.

Jacksonville’s growing real estate market makes timely inspections more important than ever. Working with a knowledgeable local inspector ensures you receive reliable information, fast turnaround times, and peace of mind—so you can move forward with confidence.

4 Point Inspection Jacksonville, FL FAQs

  • Is There A Standard Form To Fill Out?

    There is no industry-wide standard form for a Four Point Inspection. Some insurance companies provide their own forms; however, most insurance companies will accept forms from companies that perform home inspections provided that they are filled out by qualified individuals. Inside & Out Property Inspectors has developed a form that meets the requirements of most insurance companies in South Florida. They are signed by a licensed Professional Engineer.

  • Can I Fill Out The Form Myself?

    Insurance companies want these forms filled out by certain qualified individuals such as a licensed Professional Engineer, Electrician, General or Roofing Contractor.

  • I Had A Home Inspection Before I Purchased The Home. Can I Use That Report Instead Of Getting A Four Point Inspection Report?

    The insurance companies do not want large reports that contain other information. They want only specific information about the HVAC, plumbing, electrical system and roof in a short one or two page signed document. Before you pay for a home inspection you should research with your insurance company if they will require a Four Point Inspection Report. You can end up paying twice for much of the same service and information gathering.

Because of the size of a Standard Home Inspection Report from Inside & Out Property Inspectors, it is not in a format that your insurance company needs. You should check with your insurance company in advance to see if our Four Point Inspection form will satisfy their requirements. We cannot guarantee they will accept our form and additional charges will apply if we have to use their form.

Service Areas

St. Augustine

St. Augustine Beach

Nocatee

Ponte Verde Beach

Client Testimonials

PJ and David were timely, professional and courteous. They answered all of my questions and provided a complete report for my reference with the builder. Great Job!!!

We are pleased with the results of having Inside & Out for the inspection process.

The Inside & Out team was great. They answered all our questions and helped us understand what needs to be done on our new home.