How To Look At A House

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Is GFCI required to pass a 4 point inspection.

Tuesday, December 7, 2021

GFCI-protection is not required to pass a 4 point inspection. A four point inspection is not the same, or as thorough, as a home inspection. The inspector simply answers a list of questions on a standard form that provides information for an insurance company about any problems that could cause a claim in the near future. The form that is acceptable to most insurance companies in Florida is the Citizens Insurance “Sample Form Insp4pt 01 18,” and it has no questions about whether GFCI-protection is provided for circuits in the wet areas of the home. But, if there are GFCI’s, an inspector might test them and note any that do not trip on the report.

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Here’s links to other questions we get asked about four point inspections: 

• Will cloth wiring cause me to fail a four-point insurance inspection? 

• Can a patched roof pass a 4-point inspection? 

• Should I fix all the defects listed in a four point inspection report right away or submit it to the insurance company first?

Is the 4-point insurance inspection strictly pass or fail? 

Why does my homeowner's insurance want a four point inspection?

How do I get my home ready for a four point inspection for insurance? 

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

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

Do I need a home inspection to get insurance?  

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

• Which water pipes are an insurance problem and possibly uninsurable? 

• How do I get insurance if my home can't pass a 4-point inspection? 

At what age of the house does an insurance company require a four point inspection to issue or renew homeowners insurance?  

What would cause a home inspector and roofing contractor to disagree on the remaining life left in a roof? 

Why are old electrical components not always "grandfathered" as acceptable by home inspectors?

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

• Do I need to get a four point inspection for insurance for an older condominium? 

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

How long is a four point inspection valid?

• How often do you need a four point inspection? 

• Does my house need a heating system to pass a four point inspection? 

• Is an inspector required to open an electrical panel cover (dead front) during a four point inspection? 

    Visit our 4-POINT INSPECTIONS 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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