If you’re a homeowner—especially with a property that’s over 20 years old—chances are you’ll need a 4-point home inspection at some point. Whether you’re purchasing a home or renewing your insurance, this type of inspection is often required by insurance companies to evaluate the condition of key systems in your home.
In this guide, we’ll break down what the inspection includes, why it matters, and exactly how to pass a 4-point home inspection so you can avoid unnecessary surprises and stay covered.
What Is a 4-Point Home Inspection?
A 4-point inspection focuses on the four major systems that insurers care about most:
- Roofing
- Electrical
- Plumbing
- HVAC (Heating, Ventilation, and Air Conditioning)
These components tend to be the most expensive to fix or replace—and they’re also the most likely to cause serious problems if something goes wrong. Insurance companies want to make sure these systems are in safe, working condition before they’ll provide coverage.
In areas like South Florida, where heavy rain, heat, and storms are common, this inspection is even more important.
Did you know? Most insurance providers won’t write or renew policies on homes over 20 years old without a current 4-point inspection.
Why the 4-Point Inspection Is So Important
Getting a positive result from your inspection can do more than just satisfy your insurer. It can also save you money and reduce the risk of future problems.
Benefits of passing your 4-point inspection:
- Insurance approval or renewal without delays
- Lower risk of claims or premium increases
- Early warning signs of damage or aging systems
- Confidence that your home is safe and up to code
While the inspection doesn’t technically give you a “pass” or “fail,” a poor report can lead to denied coverage or costly repair requirements. That’s why preparing in advance is so important.
Can You “Fail” a 4-Point Home Inspection?
There’s no official pass/fail grading system—but if the inspection uncovers serious issues, the insurance company may:
- Refuse to issue or renew a policy
- Require specific repairs before coverage starts
- Offer limited coverage options or higher premiums
That’s why knowing how to pass a 4-point home inspection is vital—especially for older homes or properties that haven’t had recent updates.
How to Pass a 4-Point Home Inspection: Key Steps
Preparing ahead of time gives you the best chance at a smooth inspection process. Here’s how to get each of the four systems ready.
1. Roof: Make Sure It’s in Good Shape
Inspectors will be looking for signs of wear, leaks, or damage.
What to check:
- Are there any missing shingles or visible damage?
- Is the roof sagging in areas or showing signs of water intrusion?
- Are the gutters and downspouts clear and functioning?
Tip: If your roof is more than 15–20 years old, even if it looks fine, it may still raise concerns with insurers—especially in hurricane-prone areas like Florida.
2. Electrical System: Prioritize Safety
Electrical issues are a common reason for insurance denials, especially if the system is outdated or unsafe.
What to inspect:
- Are all outlets and light switches working properly?
- Is your electrical panel modern and code-compliant (not Federal Pacific or Zinsco)?
- Are there signs of old or faulty wiring?
Consider having a licensed electrician evaluate the system and make upgrades where necessary.
3. Plumbing: Address Leaks and Old Materials
Insurance companies don’t like plumbing issues—especially when there’s mold or water damage involved.
What to look for:
- Leaks under sinks, around toilets, or near appliances
- Signs of water damage on walls or ceilings
- Corroded or aging pipes (polybutylene and galvanized steel are red flags)
- The condition and age of your water heater
Replacing problematic piping or updating fixtures could make all the difference in your inspection report.
4. HVAC System: Keep It Functional and Clean
Your heating and cooling system should be in working order and properly maintained.
How to prepare:
- Replace dirty or clogged air filters
- Ensure vents and ducts are clear
- Check that the thermostat works properly
- Schedule a professional HVAC tune-up if your system is older
If your unit is more than 15 years old, it might be time to consider a replacement—especially if it’s no longer operating efficiently.
Bonus Tip: Get a Pre-Inspection First
Not sure if your home is ready? Scheduling a pre-inspection can help you identify and resolve potential issues before the official inspection takes place.
If you’re in South Florida, Guardian Angel Inspections offers detailed pre-inspections and fast, same-day reports. This gives homeowners a chance to fix problems early—avoiding the risk of delays or denied insurance.
Schedule your 4-point inspection with Guardian Angel Inspections and get peace of mind before your insurance company even steps in.
Common Reasons for Insurance Denial After a 4-Point Inspection
Wondering what might get flagged? Here are some of the most common issues that result in denied or delayed coverage:
- Roof damage or excessive age
- Aluminum or cloth wiring
- Leaking or deteriorating pipes
- HVAC system not working or past its lifespan
- Evidence of mold or water damage
- DIY repairs that don’t meet code
- Lead paint (typically in homes built before 1978)
Staying ahead of these problems will help you avoid surprises during the inspection.
Final Thoughts: Be Prepared to Pass Your 4-Point Inspection
Learning how to pass a 4-point home inspection is about being proactive, not perfect. Taking the time to inspect and maintain your home’s major systems will help you avoid insurance issues, costly repairs, and potential safety hazards.
The key is to address what you can, update what’s outdated, and bring in professionals when needed. It might feel like an investment now—but it’ll save you money, stress, and risk in the long run.
Ready to Book Your Inspection?
At Guardian Angel Inspections, we help South Florida homeowners get prepared, stay protected, and feel confident during the inspection process. Whether you’re buying a home or renewing insurance, we offer fast, reliable 4-point inspections with same-day reports and expert guidance.
👉 Book your 4-point home inspection with Guardian Angel Inspections today and take the next step toward securing your coverage—and your peace of mind.