About 4Point Services

We help Florida homeowners understand what was flagged on their 4 Point inspection report and connect them with the right type of licensed contractor — completely free. If your report identified issues with your roof, electrical panel, plumbing, or HVAC system, we can help you figure out what kind of professional you need. You’ll never pay us a dime.

1. You tell us what was flagged on your report (or upload it for reference) 2. We match you with a single licensed contractor who handles that exact issue in your area — no bidding wars, no five companies calling you 3. Your contractor contacts you within 24–48 hours to assess the situation and recommend repairs

• We are NOT an inspection company • We are NOT an insurance company or agent • We are NOT a licensed contractor • We do NOT interpret inspection reports • We do NOT provide insurance advice • We do NOT guarantee insurance approval Every contractor in our network is Florida-licensed and verified. Final repair requirements are determined by your insurer, inspector, and licensed contractor.

A 4 Point inspection is a limited visual condition report of four home systems: roof, electrical, plumbing, and HVAC. Florida insurance carriers use it to evaluate whether a home is insurable. It is NOT a pass/fail test — it is a condition report that insurers interpret. Different carriers may reach different conclusions from the same report. A 4 Point inspection is valid for up to 1 year. It is typically required for homes over 20–40+ years old when buying, renewing, or switching insurance. The inspector documents conditions — the insurance underwriter makes the coverage decision.

Not all insurance carriers reject the same things. For example, aluminum wiring is the most divisive issue — 6 of 17 major Florida carriers accept certified remediation (COPALUM/AlumiConn), while 11 require a full copper rewire. That’s the difference between a $3,000 fix and a $15,000+ project. Similarly, some carriers decline polybutylene piping outright, while others will write a policy but exclude water damage. Your insurance agent can advise which carriers work best for your situation.

• "It’s like a full home inspection" — No. A 4 Point covers ~40 items. A full inspection covers 400+. • "You can pass or fail" — There is no official pass/fail. It’s a condition report. • "A clean report lowers my premiums" — No. It determines eligibility. A wind mitigation inspection lowers premiums. • "Once I’m approved, I’m done" — Reports are valid for 1 year. Switching carriers usually requires a new one. • "The inspector decides if I get insurance" — The inspector documents. The underwriter decides. • "I can fix it myself" — Repairs must be done by licensed contractors with proper documentation.

1. Get documentation from your contractor (license #, scope of work, date, materials, photos, permits) 2. Submit documentation to your insurance agent 3. Your carrier may accept a contractor letter, partial re-inspection ($60-$130), or new full 4 Point ($75-$175) 4. Coverage confirmed — often retroactive to your provisional start date Your agent can advise which documentation your specific carrier requires.

Did you know? A wind mitigation inspection can save 20-60% on your Florida homeowners insurance. Ask your inspector about bundling — most offer both for $125-$325 combined.

We protect your privacy. Your information is only shared with the one contractor we match you with — nobody else. We don’t sell your data, we don’t share it with multiple companies, and you won’t get bombarded with calls. Your uploaded reports and photos are stored securely and never shared beyond your matched contractor.