4 Point Home Inspections in Jacksonville, FL
Insurance-Ready Inspections for Older Homes in Florida
Fast, Professional Insurance Inspections
If your Florida home is over 20 years old, chances are your insurance company will require a 4 Point Inspection to approve or renew your policy. At Affiliated Home Inspections, Inc, we provide fast, professional 4 Point Inspections throughout Jacksonville and surrounding areas — all performed by certified inspectors with over 25 years of combined experience.
We work directly with homeowners, insurance agents, and real estate professionals to ensure the process is smooth, compliant, and stress-free.
What Is a 4 Point Inspection?
A 4 Point Inspection is a focused evaluation of the four major systems in a home. Unlike a full home inspection, this type of inspection is designed specifically for insurance purposes. It helps your insurer assess the risk associated with older properties.
Roof
Plumbing
Electrical
HVAC
We inspect the condition, age, and visible functionality of each system, identifying any deficiencies that could raise red flags with insurers.
Why You Might Need a 4 Point Inspection
Florida homeowners are commonly asked to submit a 4 Point Inspection if:
The home is over 20–30 years old
You’re applying for a new insurance policy
You’re renewing an existing policy
Your insurer requests updated documentation
You're purchasing a home that hasn't had a recent inspection
Insurance providers want to ensure that older homes are safe and well-maintained — especially in a climate like Florida.
What Our 4 Point Inspection Covers
Each inspection is documented using the approved Florida 4 Point form required by insurance companies.
Roof
- Age and permit history
- Roof material & condition
- Signs of leaks or damage
- Roof-to-wall connections
Electrical
- Main service panel
- Visible wiring type & age
- Signs of unsafe mods
- Grounding status
Plumbing
- Pipe material & condition
- Signs of leaks/corrosion
- Water heater details
- Valve accessibility
HVAC
- Type and age of units
- Functionality test
- Signs of rust or damage
- Ventilation check
What You’ll Receive
- A completed 4 Point Inspection report
- Photos of each system and key components
- Notes on system age, condition, and any concerns
- Fast electronic delivery — typically within 24 hours
Our reports are accepted by all major insurance providers in Florida.
Who Should Get a Pre-Listing Inspection?
If you’re buying a home, we strongly recommend a full home inspection in addition to the 4 Point. The 4 Point Inspection is focused only on the major systems and does not assess structural components, appliances, or other critical features.
Many clients schedule both at the same time to get full peace of mind while also satisfying their insurance carrier’s documentation requirements.
FREQUENTLY ASKED QUESTION
How long does a 4 Point Inspection take?
Most inspections take 60–90 minutes depending on access and the layout of the home.
Can I submit the report to my insurer right away?
Yes. We send you a completed, ready-to-submit PDF report with photos, typically within 24 hours of your inspection.
Will you let me know if something won’t pass insurance?
We document all findings objectively. If there’s something that may affect insurance approval, we’ll include it in the report and are available to answer your questions afterward.
How long is the report valid?
Most insurance companies accept 4 Point reports for up to one year, but we recommend checking with your carrier for specific requirements.
AREAS WE SERVE
We provide 4 Point Inspections across:
Jacksonville metro area
Orange Park
St. Johns
Nearby communities
Neptune Beach
Mandarin
Ponte Vedra
Atlantic Beach
Not sure if your area is included? Just give us a call. We’re happy to confirm availability.
Schedule Your 4 Point Inspection Today
At Affiliated Home Inspections, Inc, we make the process fast, professional, and reliable. Whether you’re buying a home or updating your insurance, our 4 Point Inspections provide the documentation you need — without the stress.
To schedule your inspection or ask a question, contact us today.