4-Point Inspections in The Acreage, Loxahatchee & Westlake

What "Failing" a 4-Point Actually Means

This is an insurance underwriting review, not a universal government pass/fail test. A report may identify conditions that lead the proposed insurer to request repairs, more documentation or further review. A licensed insurance agent helps assemble the submission; the carrier decides whether it meets its underwriting standards.

Citizens' inspection page, checked October 28, 2026, requires a four-point report for its property owner, dwelling and mobile home applications when the property is more than 20 years old. That is Citizens' stated requirement for those applications, not an age rule for every Florida insurer or every policy type.

Ask the agent to confirm the applicable form, report age, inspector qualifications and photos before ordering. Use the carrier's current requirements rather than an old form saved from a previous sale. If a report already has findings, see our separate failed four-point inspection recovery guide for the next-step process.

The Four Systems: What to Prepare

Roof: Age, Condition and Documentation

Gather the installation date, permits and records of repairs or replacement. The inspector evaluates visible condition and reports the requested roof information. Ask the insurance agent whether additional roof documentation is needed; do not infer eligibility from roof age alone.

Electrical: Panels, Wiring and Safety Items

Have panel identification and any electrical upgrade records available. The inspection can document wiring and visible safety concerns. If repairs or specialist certification are requested, use an appropriately licensed electrician and confirm the carrier's documentation requirements. Do not remove a panel cover yourself.

Plumbing: Materials, Leaks and Water Heater

Provide known pipe materials and dates of updates, including partial replacements. Make the water heater and accessible plumbing areas available for inspection. Have a qualified professional evaluate active leaks and keep the repair records; a receipt alone does not establish that the carrier will accept a repair.

HVAC: Operation and Service History

Locate equipment age and service information. The inspection documents the heating and cooling system's condition within its scope. If a problem is found, get an appropriate contractor's assessment rather than assuming the entire system must be replaced because it is older.

4-Point vs. Wind Mitigation: Different Reports

A four-point report focuses on four systems for underwriting. A wind mitigation inspection documents qualifying construction features that may support wind-premium credits. One does not substitute for the other.

The Florida DFS homeowners overview explains underwriting inspections and wind mitigation. Ask your insurance agent which reports apply and how verified features affect the proposed policy. Neither report guarantees coverage, a particular premium or an insurance discount.

Seller Strategy: Review Before You List

Early review gives you time to understand the findings and decide how to handle them. It cannot eliminate every issue that might arise during a buyer's insurance application.

• Ask first: Confirm the proposed insurer's report and photo requirements through the insurance agent.
• Gather records: Organize permits, invoices and service history for all four systems.
• Arrange access: Clear safe access to equipment and inspection areas without attempting electrical or roof work yourself.
• Review findings: Get qualified repair proposals where needed and ask what follow-up evidence the carrier requires.
• Keep the completed file: Retain the report, photos and repair documentation for review during the sale.

Brian can help plan the listing timetable around the information you have. Insurance eligibility and repair acceptance remain with the insurer and the relevant licensed professionals. Avoid promising a buyer that a completed report guarantees their coverage.