Is a four-point inspection mandatory in Florida for insurance?

Saturday, February 1, 2020

Not all homes, but most older homes will need a four point inspection by a licensed home inspector to get insurance in Florida. For example, one of the largest insurance companies in Florida, Citizens Insurance, requires a four-point inspection report for homes more than 30 years old. Here’s how it is stated at their website.

           

    Other insurance companies have different standards. State Farm requires a four-point for just about any age house, and a few companies set their requirement past 30 years. But you should expect that a house that is 50 years or older will definitely need to pass a four-point inspection to get homeowner’s insurance. 

    Also, see our blog posts Why does my homeowner's insurance want a four point inspection? and How do I get my home ready for a four point inspection for insurance? and How do I get insurance if my home can't pass a 4-point inspection? and Is the 4-point insurance inspection strictly pass or fail?

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Here’s links to a collection of our other blog posts about INSURANCE:

* Could faulty work or lack of a building permit for home improvements cause an insurance company to deny a claim?

Why is a fuse box/panel an insurance problem for homebuyers? 

How is Citizens Property Insurance different from other Florida homeowners insurance companies?  

Do I need a home inspection to get insurance?  


Which building permit date is used for the Building Code section of the wind mitigation form? 

What are the different roof deck attachment discount categories for a wind mitigation inspection? 

What determines the year of a house? 

What is the difference between a toe nail, clip, single wrap, and double wrap for the wind mitigation form?

Should I give a copy of the home inspection report to the bank or insurance company? 


Can I do my own wind mitigation inspection?  

Will a house without air conditioning pass a 4 point inspection?  

• What’s the difference between a gable and hip roof for my insurance? 

 
• What is the wind mitigation inspection for homeowner's insurance? 

Which water pipes are an insurance problem and possibly uninsurable? 


Why does my homeowner's insurance want a roof inspection? 

• Is it common for an insurance company to require an inspection? 

    Visit our HOME INSPECTION and INSURANCE pages for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.

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