Fill in Your 4 Point Inspection Form

When preparing for a 4 Point Inspection, several additional forms and documents may be required to ensure a thorough assessment of the property. Each document serves a specific purpose and contributes to a comprehensive understanding of the property's condition. Below is a list of commonly used forms that complement the 4 Point Inspection form.

• Roof Inspection Form: This form provides detailed information about the roof's condition, including materials used, age, and any visible damage. It is essential for evaluating the roof's integrity and potential insurance risks.
• HVAC Inspection Report: This document outlines the status of the heating, ventilation, and air conditioning systems. It includes details about the system's age, maintenance history, and any issues that may affect its performance.
• Plumbing Inspection Report: This report assesses the plumbing system, highlighting any leaks, pipe conditions, and the presence of fixtures. It is crucial for identifying potential water damage or plumbing failures.
• FedEx Release Form: This form allows customers to authorize package delivery in their absence, ensuring safe deliveries without requiring a signature. For more information on filling it out, please refer to Templates and Guide.
• Electrical Inspection Report: This document focuses on the electrical system's safety and functionality. It details the types of wiring, panel conditions, and any hazards present that could pose risks.
• General Home Inspection Report: A broader evaluation of the property's overall condition, this report covers structural integrity, safety concerns, and maintenance needs beyond the specific systems addressed in the 4 Point Inspection.
• Aluminum Wiring Remediation Certificate: If aluminum wiring is present, this certificate must be provided by a licensed electrician. It certifies that any necessary remediation has been completed to ensure safety.
• Insurance Application Form: This form is required to initiate the insurance coverage process. It collects basic information about the property and the applicant, serving as the foundation for underwriting decisions.
• Disclosure Statement: This document informs the insurer about any known issues with the property. It is essential for transparency and helps avoid future disputes regarding coverage.
• Photo Documentation: Accompanying photos must be submitted to visually support the findings in the inspection reports. These images provide evidence of the property's condition and any noted deficiencies.
• Inspection Checklist: This checklist serves as a guide for inspectors to ensure all necessary components of the property are evaluated. It helps maintain consistency and thoroughness in the inspection process.

Incorporating these documents along with the 4 Point Inspection form is vital for a complete assessment. Each form provides crucial insights that aid in determining the property's insurability and overall safety. Ensuring all necessary documentation is collected and reviewed can expedite the underwriting process and help avoid potential issues later on.

When filling out the 4 Point Inspection form, it is essential to follow specific guidelines to ensure accuracy and completeness. Here’s a list of what to do and what to avoid:

• Do provide the insured/applicant's full name and accurate application/policy number.
• Do ensure the address inspected is clearly written and complete.
• Do include the actual year built and the date of inspection.
• Do attach all required photographs as specified in the form.
• Do have a Florida-licensed inspector complete, sign, and date the form.
• Don't leave any sections blank; all relevant information must be filled out.
• Don't use outdated or unverified information regarding the systems inspected.
• Don't forget to document any hazards or deficiencies clearly.
• Don't submit the form without the inspector's signature and license details.
• Don't ignore the requirement for additional comments if any systems are not in good working order.

1. What is a 4-Point Inspection Form?

   The 4-Point Inspection Form is a document used primarily in Florida to assess the condition of four critical systems in a home: the roof, electrical system, HVAC (heating, ventilation, and air conditioning), and plumbing. This form is often required by insurance companies to determine whether a property is insurable. It provides a detailed overview of each system's condition, including any hazards or deficiencies that may exist.

2. Who is qualified to complete the 4-Point Inspection Form?

   A Florida-licensed inspector must complete the form. This can include general contractors, residential contractors, building code inspectors, or home inspectors. Each inspector must sign and date the form to verify its accuracy. Note that a trade-specific professional, such as an electrician, can only sign off on the section related to their trade.

3. What are the minimum photo requirements for the inspection?

   Photos are essential to accompany the 4-Point Inspection Form. The minimum requirements include:

   • Each side of the dwelling
   • Each slope of the roof
   • Water heater and under-cabinet plumbing/drains
   • Open main electrical panel with the interior door label visible
   • Electrical box with the panel off
   • Any hazards or deficiencies noted in the report
4. What happens if a system is found to be unsatisfactory?

   If any system is deemed unsatisfactory, the inspector must provide detailed comments about the issues. This can include visible hazards, leaks, or any system not in good working order. Such findings can affect the insurability of the property, and insurance agents may not submit applications for properties with existing hazards or deficiencies.

5. Why is the 4-Point Inspection Form important for insurance applications?

   The form plays a crucial role in the underwriting process for insurance applications. It helps insurance companies evaluate the risk associated with insuring a property. The information provided in the form is used to determine whether the property meets their insurability criteria. If any systems are not functioning properly, it could lead to a denial of coverage.

6. Can I use a different inspection form?

   While this specific 4-Point Inspection Form is not mandatory, any other inspection report submitted must include at least the same level of detail. This ensures that the insurance company has sufficient information to assess the property. Always consult with your insurance agent to confirm that any alternative forms meet the necessary requirements.