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4-point inspection of a Jacksonville home by Blue Line Inspections

4-Point Inspection
in Jacksonville, FL

If your insurance company has asked for a four-point inspection, it wants a clear record of the four systems that cause the most claims on older Florida homes: the roof, electrical, plumbing and HVAC. Jonathon Norman, an InterNACHI Certified Professional Inspector, performs every four-point for Blue Line Inspections himself, across Jacksonville and the surrounding Northeast Florida counties, and delivers the report on the form your carrier expects.

Schedule Online!904-576-9338
Four-point inspection of roof, electrical, plumbing and HVAC in Northeast Florida

The Four Systems

Carriers use the report to judge the age, condition and remaining life of each system before they decide on coverage and rate.

Roof

  • •Documented: Covering type, approximate age, overall condition and remaining useful life, with photos of each roof slope.
  • •Often flagged: Curling or missing shingles, soft decking, worn flashing, and signs of past leaks in the attic.

Electrical

  • •Documented: Panel type and capacity, wiring type, breakers and grounding, with the panel cover removed for photos.
  • •Often flagged: Aluminum branch wiring, knob-and-tube, double-tapped breakers, and older panel brands many carriers will not accept.

Plumbing

  • •Documented: Supply and drain piping materials, visible leaks, fixtures, and the water heater age and condition.
  • •Often flagged: Polybutylene supply lines, cast iron drains, active leaks, and water heaters without proper relief valves or pans.

HVAC

  • •Documented: Heating and cooling equipment type, approximate age, operation and general condition.
  • •Often flagged: Systems near the end of their service life, units that do not cool or heat, and rusted or leaking equipment.
Older Jacksonville home ready for a four-point insurance inspection

Why Older Jacksonville Homes Need One

Jacksonville has a wide range of housing ages. Historic neighborhoods such as Riverside, Avondale, San Marco and Springfield have homes from the early 1900s, and large parts of the city were built out with block ranch homes in the decades after World War II. Many subdivisions from the 1970s through the mid-1990s are now well past the 25-year mark, and homes from that era can still have polybutylene water lines or original electrical panels.

The climate adds wear. Air conditioning runs most of the year in Northeast Florida, so HVAC equipment ages quickly, and homes near the coast see salt air on outdoor units. Summer storms and hurricane season are hard on roofs. That is why carriers want a current, photo-documented look at these systems rather than the age printed on the tax record.

The same applies across our service area, from St. Augustine and Fernandina Beach to Orange Park, Palatka, Lake City and Gainesville.

How It Works

A clean four-point report helps you secure or renew coverage at a better rate. Pair it with a wind mitigation inspection on the OIR-B1-1802 form to document the features that can lower the wind portion of your premium.

Book the Visit

Call or text 904-576-9338 or schedule online. Tell us if your insurance agent also asked for a wind mitigation report so both can be done on the same trip.

On-Site Inspection

Jonathon looks at the roof, electrical panel, plumbing and water heater, and HVAC equipment, and takes the photos the form requires.

Report for Your Carrier

You get the completed report on the standard Citizens form most Florida carriers accept, usually the same day, ready to send to your agent.

FAQs

4-Point Inspection Questions

Most Florida insurance carriers require a four-point inspection before they will write or renew a homeowners policy on a home that is more than about 25 years old. Your agent or carrier will tell you if your policy needs one. Buyers of older homes often order it during the inspection period so they can line up coverage before closing.

No. A four-point covers only the roof, electrical, plumbing and HVAC, and it is written for an insurance company. A full home inspection looks at the whole house, from the foundation and structure to the attic, interior, appliances and safety features. If you are buying an older home, you will usually want both.

Yes. Most carriers want both reports for older homes, and Blue Line Inspections can complete the four-point and the wind mitigation inspection in a single visit, so there is only one appointment to schedule.

The report records what is there; your carrier decides what it will accept. If an item such as an older panel, polybutylene piping or a worn roof is noted, Jonathon will explain what he saw so you can talk to your agent and, if needed, get repair quotes from a licensed contractor.

Want more detail? Read how 4-point and wind mitigation inspections can lower insurance costs in Jacksonville, see what to look for on a roof after a storm, or learn about our full home inspections.

Jacksonville trusted. Northeast Florida proven.

Your home deserves local expertise.

InterNACHI Certified Inspector serving Jacksonville and the surrounding Northeast Florida counties.

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