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A 4-point inspection reports on four systems: the roof, electrical, plumbing and HVAC. Florida insurers often ask for one before they write or renew a policy.
If your agent has asked for one, MIA Inspections can document all four in a single visit. We inspect homes across Miami-Dade, Broward and Palm Beach, including Hialeah and Fort Lauderdale.
Call (786) 972-0663 or book online.
It’s a focused, visual inspection of four major systems, recorded on a 4-point form your insurer can review. It shows the type, approximate age where it can be documented, and visible condition of each system. It’s shorter and narrower than a full home inspection, and it’s built for insurance, not for a purchase decision.
Some older panel types and wiring methods draw extra insurer questions. See outdated electrical panels and Florida insurance.
Roof leaks, water damage and electrical problems can lead to home insurance claims, so insurers want to see the condition of these systems before they take on a policy.
Insurers often ask for one on older homes, but every carrier sets its own rules. Ask your agent which form they want and whether any item, such as roof age, carries special rules.
These are items that can turn up on 4-point reports in South Florida:
If an item concerns your insurer, the usual next step is a repair by a qualified contractor, followed by updated documentation.
| 4-point | Wind mitigation | Residential home inspection | |
|---|---|---|---|
| Purpose | Insurance: condition of four systems | Insurance: wind-resistance features | Purchase or ownership decision |
| Covers | Roof, electrical, plumbing, HVAC | Roof attachment, roof shape, openings | Roof, structure, exterior, electrical, plumbing, HVAC, interior |
| Form | Insurer 4-point form | OIR-B1-1802 | MIA written report |
Many homeowners and buyers book a 4-point together with a wind mitigation inspection, and buyers often add both to a residential home inspection.
You receive the completed 4-point report with photos of the systems we document, ready to send to your insurer. We’ll tell you when to expect your report when you book. See a sample 4-point report.
A 4-point inspection is a visual inspection of accessible components on the day of the inspection. It is not a warranty or a code inspection, and your insurer decides whether to write or renew coverage.
It’s an inspection of four systems: the roof, electrical, plumbing and HVAC. It’s recorded on a form your insurer reviews, and it shows each system’s type, approximate age where it can be documented, and visible condition.
Insurers request it, most often for older homes and when a policy is written or renewed. Each carrier sets its own rules, so ask your agent whether you need one.
No. A 4-point covers four systems for insurance. A residential home inspection covers the whole home for a purchase or ownership decision. Buyers often book both at the same visit.
Yes. The roof is one of the four points. The inspector records the covering type, approximate age where it can be documented, visible condition and signs of leaks. A separate roof inspection goes into more detail.
The report describes what the inspector sees. If your insurer has concerns about an item, it may ask for a repair or updated documentation. A qualified contractor handles the repair, and the item can then be documented again.
Insurers set their own rules on how long they accept a 4-point report, so ask your agent before you book.
Yes. Many Miami homeowners book both at the same visit. One reports system condition; the other records wind-resistance features on the OIR-B1-1802 form.
Some insurers ask condo unit owners for one, usually covering the unit’s electrical, plumbing and HVAC. The roof is typically the association’s responsibility. Check with your insurer.
Book your 4-point inspection in Miami. Call (786) 972-0663 or book online. You can add a wind mitigation inspection at the same visit.
Full home inspections, wind mitigation, 4-point, roof, and balcony inspections across Miami-Dade, Broward, and Palm Beach.
Mon–Sat 8:00 AM – 6:00 PM
Call (786) 972-0663
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