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Content Overview

The 4 Point Inspection form is a crucial document used primarily in Florida to assess the condition of key systems in a residential property. This form focuses on four main areas: the electrical system, HVAC system, plumbing system, and roof. Each section requires detailed information, including the age of the systems, their current condition, and any visible hazards or deficiencies. For the electrical system, inspectors must note the type of wiring, the condition of the main panel, and any potential issues such as double taps or exposed wiring. The HVAC section assesses whether the heating and cooling systems are functioning properly and includes details about the last service date. In plumbing, inspectors check for leaks, the condition of fixtures, and the type of piping used. Lastly, the roof section evaluates the covering material, its age, and any signs of damage or leaks. Photographic evidence is required for each area to support the findings. A licensed Florida inspector must complete and sign the form, ensuring that the information provided is accurate and reliable for underwriting purposes.

Similar forms

  • Home Inspection Report: Similar to the 4-Point Inspection, a Home Inspection Report provides a comprehensive evaluation of a property’s overall condition. It covers major systems like plumbing, electrical, and HVAC, often including detailed descriptions of any issues found during the inspection.

  • Hold Harmless Agreement: This document is essential in real estate transactions, ensuring that parties involved are protected from legal liabilities, akin to the Hold Harmless Agreement used in the District of Columbia.
  • Roof Inspection Report: This document focuses specifically on the roof's condition, detailing the materials used, age, and any visible damage or deterioration. Like the 4-Point Inspection, it includes photos and assessments of the roof's remaining useful life.

  • Electrical Inspection Report: An Electrical Inspection Report is dedicated to assessing the electrical systems within a property. It highlights any hazards or deficiencies, ensuring safety and compliance with local codes, much like the electrical section of the 4-Point Inspection.

  • HVAC Inspection Report: This report evaluates the heating, ventilation, and air conditioning systems, detailing their operational status and any necessary repairs. Similar to the HVAC section of the 4-Point Inspection, it aims to ensure these systems are functioning properly.

  • Plumbing Inspection Report: A Plumbing Inspection Report focuses on the plumbing system, assessing pipes, fixtures, and potential leaks. It parallels the plumbing section of the 4-Point Inspection by documenting the condition and any visible issues.

  • Insurance Underwriting Report: This document is used by insurance companies to evaluate risk before issuing a policy. It relies on detailed inspections like the 4-Point Inspection to determine insurability, ensuring all systems are in acceptable condition.

  • Property Condition Assessment (PCA): A PCA provides an overview of a property's physical condition, covering various systems and structures. It resembles the 4-Point Inspection in its thoroughness and focus on identifying deficiencies and needed repairs.

  • Real Estate Appraisal Report: An Appraisal Report assesses a property's value based on its condition and market factors. While it differs in purpose, it often incorporates inspection findings, similar to the 4-Point Inspection’s influence on property valuation.

  • Maintenance Inspection Report: This report is conducted to assess the ongoing maintenance needs of a property. It shares similarities with the 4-Point Inspection by identifying areas that require attention to maintain safety and functionality.

Document Specifics

Fact Name Description
Purpose The 4-Point Inspection Form is used to assess the condition of four key systems in a home: roof, electrical, HVAC, and plumbing.
Inspector Requirements A Florida-licensed inspector must complete, sign, and date the form to ensure validity and compliance with state regulations.
Photo Requirements Minimum photos must include each side of the dwelling, each slope of the roof, and key plumbing and electrical components.
Governing Law In Florida, the 4-Point Inspection is governed by insurance underwriting guidelines and state licensing requirements for inspectors.
Inspection Focus The form specifically addresses visible hazards and deficiencies, documenting the condition of each system to determine insurability.

Things You Should Know About This Form

  1. What is a 4-Point Inspection Form?

    A 4-Point Inspection Form is a document used 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 helps identify any existing issues that may affect the safety and functionality of these systems.

  2. Who can complete a 4-Point Inspection Form?

    Only a Florida-licensed inspector can complete, sign, and date the 4-Point Inspection Form. This can include general contractors, residential contractors, building code inspectors, or home inspectors. Each inspector must be verifiable and licensed in Florida to ensure the inspection meets the necessary standards.

  3. What are the minimum photo requirements?

    When submitting a 4-Point Inspection Form, certain photos are required to support the findings. The minimum photo 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
    • Electrical box with the panel off
    • Any noted hazards or deficiencies
  4. What happens if deficiencies are found during the inspection?

    If the inspection reveals any deficiencies or hazards, the inspector must provide detailed comments in the form. This includes any visible issues with the roof, electrical, HVAC, or plumbing systems. The insurance agent will review these findings before submitting the application for coverage. Properties with significant deficiencies may not be insurable until the issues are resolved.

  5. Why is a 4-Point Inspection important for homeowners?

    A 4-Point Inspection is important because it helps homeowners understand the condition of their property’s essential systems. It can also identify potential safety hazards before they become serious problems. Additionally, many insurance companies require this inspection to evaluate the risk associated with insuring a home. Having a recent inspection can make the process smoother when applying for or renewing insurance coverage.

Documents used along the form

When conducting a 4-Point Inspection, there are several other forms and documents that often accompany it. Each of these documents serves a specific purpose, ensuring that all aspects of a property are thoroughly evaluated. Below is a list of some commonly used forms that complement the 4-Point Inspection.

  • Home Inspection Report: This comprehensive document provides a detailed assessment of a property's overall condition. It covers the roof, foundation, plumbing, electrical systems, and more, offering insights into potential issues that may need addressing.
  • Roof Inspection Form: Focused specifically on the roof, this form details its condition, age, and any visible damage. It often includes photos to illustrate findings and may be required by insurers to assess risk.
  • HVAC Inspection Report: This document evaluates the heating, ventilation, and air conditioning systems in a home. It assesses their functionality, age, and any maintenance performed, helping to ensure that these systems are safe and efficient.
  • Nursing License Application: For those looking to pursue a nursing career in Arizona, completing the necessary application is essential. It is recommended to refer to resources like arizonaformpdf.com for obtaining the appropriate forms and guidance.
  • Plumbing Inspection Report: This report examines the plumbing system, including pipes, fixtures, and appliances. It highlights any leaks, corrosion, or other issues that could affect water quality and safety.
  • Electrical Inspection Report: This form focuses on the electrical systems within a property. It checks for safety hazards, proper grounding, and the condition of wiring and panels, ensuring compliance with electrical codes.
  • Insurance Application Form: This is the official document submitted to an insurance company when seeking coverage. It typically requires information about the property, including details from the 4-Point Inspection.
  • Disclosure Statement: This document outlines any known issues or defects with the property that the seller must disclose to potential buyers. It can impact insurance eligibility and property value.
  • Maintenance Records: These records provide a history of repairs and maintenance performed on the property. They can demonstrate the care taken to maintain systems and may influence insurance underwriting decisions.

Having these forms and documents readily available can streamline the inspection process and provide a clearer picture of a property's condition. They play a crucial role in ensuring that all systems are safe and functional, ultimately helping to protect both the homeowner and the insurer.

4 Point Inspection Preview

4-Point Inspection Form

Insured/Applicant Name:_________________________________________________ Application / Policy #:__________________________

Address Inspected:___________________________________________________________________________________________________

Actual Year Built:________________________

Date Inspected: ______________________________________________

 

 

Minimum Photo Requirements:

 

Dwelling: Each side

Roof: Each slope

Plumbing: Water heater, under cabinet plumbing/drains, exposed valves

Main electrical service panel with interior door label

Electrical box with panel off

All hazards or deficiencies noted in this report

A Florida-licensed inspector must complete, sign and date this form.

Be advised that Underwriting will rely on the information in this sample form, or a similar form, that is obtained from the Florida licensed professional of your choice. This information only is used to determine insurability and is not a warranty or assurance of the suitability, fitness or longevity of any of the systems inspected.

Electrical System

Separate documentation of any aluminum wiring remediation must be provided and certified by a licensed electrician.

Main Panel

 

 

Second Panel

 

Type:

Circuit breaker

Fuse

 

Type:

Circuit breaker Fuse

 

Total Amps: __________

 

 

Total Amps: __________

 

Is amperage sufficient for current usage?

Yes No (explain)

Is amperage sufficient for current usage?

Yes No (explain)

 

 

 

 

 

 

 

Indicate presence of any of the following:

Cloth wiring

Active knob and tube

Branch circuit aluminum wiring (If present, describe the usage of all aluminum wiring):

* If single strand (aluminum branch) wiring, provide details of all remediation. Separate documentation of all work must be provided.

Connections repaired via COPALUM crimp Connections repaired via AlumiConn

Hazards Present

 

 

Double taps

Blowing fuses

 

 

Exposed wiring

Tripping breakers

 

 

Unsafe wiring

Empty sockets

 

 

Improper breaker size

Loose wiring

 

 

Scorching

Improper grounding

 

 

Other (explain)

Corrosion

 

 

 

Over fusing

 

 

 

 

 

 

 

General condition of the electrical system:

Satisfactory

Unsatisfactory (explain)

Supplemental information

Main Panel

Second Panel

Wiring Type

Panel age: __________

Panel age: __________

Copper

Year last updated: __________

Year last updated:__________

NM, BX or Conduit

Brand/Model: __________

Brand/Model: __________

 

 

 

 

Sample Form Insp4pt 01 18

4-Point Inspection Form

HVAC System

Central AC:

Yes

No

Central heat:

Yes

No

If not central heat, indicate primary heat source and fuel type: _________________________________

Are the heating, ventilation and air conditioning systems in good working order?

Yes

No (explain)

Date of last HVAC servicing/inspection: ______________

 

 

 

 

 

 

 

 

 

 

 

 

Hazards Present

 

 

 

 

 

 

 

Wood-burning stove or central gas fireplace not professionally installed?

Yes

No

 

Space heater used as primary heat source?

Yes

No

 

 

 

Is the source portable?

Yes

No

 

 

 

 

 

Does the air handler/condensate line or drain pan show any signs of blockage or leakage, including water damage to the surrounding area?

Yes No

Supplemental Information

Age of system: _____________

Year last updated: _____________

(Please attach photo(s) of HVAC equipment, including dated manufacturer’s plate)

Plumbing System

Is there a temperature pressure relief valve on the water heater?

Yes

No

 

Is there any indication of an active leak?

Yes

No

 

 

 

Is there any indication of a prior leak?

Yes

No

 

 

 

Water heater location: _______________________________________________

 

 

 

 

General condition of the following plumbing fixtures and connections to appliances:

 

Satisfactory Unsatisfactory

N/A

 

Satisfactory Unsatisfactory

N/A

 

Dishwasher

 

 

 

Toilets

 

Refrigerator

 

 

 

Sinks

 

Washing machine

 

 

 

Sump pump

 

Water heater

 

 

 

Main shut off valve

 

Showers/Tubs

 

 

 

All other visible

 

 

 

 

 

 

 

If unsatisfactory, please provide comments/details (leaks, wet/soft spots, mold, corrosion, grout/caulk, etc.).

Supplemental Information

Age of Piping System:

 

Type of pipes (check all that apply)

 

_____

Original to home

 

Copper

 

 

 

 

 

_____

Completely re-piped

 

PVC/CPVC

 

 

 

 

 

_____

Partially re-piped

 

Galvanized

 

 

 

 

 

(Provide year and extent of renovation in the comments below)

 

PEX

 

 

 

 

 

 

 

 

Polybutylene

 

 

 

 

Other (specify)

 

 

 

 

 

 

Sample Form Insp4pt 01 18

4-Point Inspection Form

Roof (With photos of each roof slope, this section can take the place of the Roof Inspection Form.)

Predominant Roof

Covering material: __________

Roof age (years): __________

Remaining useful life (years): __________

Date of last roofing permit: __________

Date of last update: __________

If updated (check one):

Full replacement Partial replacement

%of replacement: __________

Overall condition:

Satisfactory

Unsatisfactory (explain below)

Any visible signs of damage / deterioration?

(check all that apply and explain below)

Cracking

Cupping/curling

Excessive granule loss

Exposed asphalt

Exposed felt

Missing/loose/cracked tabs or tiles

Soft spots in decking Visible hail damage

Any visible signs of leaks? Yes No

Attic/underside of decking Yes No

Interior ceilings Yes No

Secondary Roof

Covering material: __________

Roof age (years): __________

Remaining useful life (years): __________

Date of last roofing permit: __________

Date of last update: __________

If updated (check one):

Full replacement Partial replacement

%of replacement: __________

Overall condition:

Satisfactory

Unsatisfactory (explain below)

Any visible signs of damage / deterioration?

(check all that apply and explain below)

Cracking

Cupping/curling

Excessive granule loss

Exposed asphalt

Exposed felt

Missing/loose/cracked tabs or tiles

Soft spots in decking Visible hail damage

Any visible signs of leaks? Yes No

Attic/underside of decking Yes No

Interior ceilings Yes No

Additional Comments/Observations (use additional pages if needed):

All 4-Point Inspection Forms must be completed and signed by a verifiable Florida-licensed inspector. I certify that the above statements are true and correct.

Inspector Signature

 

Title

 

License Number

 

Date

 

 

 

 

 

 

 

Company Name

 

License Type

 

Work Phone

 

 

Sample Form Insp4pt 01 18

4-Point Inspection Form

Special Instructions: This sample 4-Point Inspection Form includes the minimum data needed for Underwriting to properly evaluate a property application. While this specific form is not required, any other inspection report submitted for consideration must include at least this level of detail to be acceptable.

Photo Requirements

Photos must accompany each 4-Point Inspection Form. The minimum photo requirements include:

Dwelling: Each side

Roof: Each slope

Plumbing: Water heater, under cabinet plumbing/drains, exposed valves

Open main electrical panel and interior door

Electrical box with the panel off

All hazards or deficiencies

Inspector Requirements

To be accepted, all inspection forms must be completed, signed and dated by a verifiable Florida-licensed professional. Examples include:

A general, residential, or building contractor

A building code inspector

A home inspector

Note: A trade-specific, licensed professional may sign off only on the inspection form section for their trade. (e.g., an electrician may sign off only on the electrical section of the form.)

Documenting the Condition of Each System

The Florida-licensed inspector is required to certify the condition of the roof, electrical, HVAC and plumbing systems. Acceptable Condition means that each system is working as intended and there are no visible hazards or deficiencies.

Additional Comments or Observations

This section of the 4-Point Inspection Form must be completed with full details/descriptions if any of the following are noted on the inspection:

Updates: Identify the types of updates, dates completed and by whom

Any visible hazards or deficiencies

Any system determined not to be in good working order

Note to All Agents

The writing agent must review each 4-Point Inspection Form before it is submitted with an application for coverage. It is the agent’s responsibility to ensure that all rules and requirements are met before the application is bound. Agents may not submit applications for properties with electrical, heating or plumbing systems not in good working order or with existing hazards/deficiencies.

Sample Form Insp4pt 01 18