Question 1

What is a 4-point inspection?

Accepted Answer

A 4-point inspection examines four critical home systems — electrical, plumbing, roofing, and HVAC — required by Florida insurance carriers for homes older than 25-30 years. If any system fails, the carrier may deny or drop coverage until repairs are made.

Question 2

What happens if I fail my 4-point inspection?

Accepted Answer

Your insurance carrier typically gives you 30-60 days to fix the flagged issues. If not resolved, they may deny coverage or drop your policy. You need a licensed contractor to make repairs and provide documentation for re-inspection.

Question 3

How much does it cost to fix a failed 4-point inspection?

Accepted Answer

Costs vary widely: electrical panel replacement runs $2,000-$20,000+, plumbing repipes $4,000-$50,000+, roof replacement $8,000-$45,000+, and HVAC replacement $5,000-$12,000+. The exact cost depends on the specific issue flagged and your home size.

Question 4

Is the 4Point Services matching service free?

Accepted Answer

Yes, 4Point Services is completely free for homeowners. We match you with licensed Florida contractors who specialize in your specific inspection failure. No fees, no obligations.

Question 5

What are the most common 4-point inspection failures?

Accepted Answer

The most common failures include: Federal Pacific or Zinsco electrical panels, aluminum wiring, polybutylene pipes, roof age over 15-20 years, water heaters past their lifespan, and HVAC systems over 20 years old. These are the issues insurance carriers flag most frequently.

Question 6

How quickly can I get matched with a contractor?

Accepted Answer

Most homeowners are contacted by a licensed contractor within 24-48 hours. Our system immediately alerts contractors in your ZIP code who specialize in your specific failure issues.