Insurance & specialty · Miami-Dade & Broward
Four-point inspections
If an insurance agent asks for a four-point inspection, start by getting the actual form and submission requirements. Kerwin Inspections offers four-point inspections across Miami-Dade and Broward. This is an insurance-focused service, not a substitute for a broader purchase home inspection. Knowing which document you need helps avoid booking the wrong inspection for the decision in front of you.
Cost: Request a service quote
Timing: Confirm report timing before booking
Your request stays on this website and is followed by contact about the scope and quote. It is not instant confirmed booking.
The short answer
What should you know first?
A four-point inspection focuses on roofing, electrical, plumbing and HVAC systems for insurance underwriting. The insurer decides its required form, report age and acceptance criteria; an inspection does not guarantee coverage.
Choosing the service
When does this service fit?
- Homeowners whose insurer requests a four-point report when issuing or renewing a policy.
- Buyers who have an insurance-document requirement in addition to a purchase inspection.
- Owners comparing a four-point request with a wind-mitigation request and unsure whether they need one or both.
What are the four points?
Florida’s Insurance Consumer Advocate identifies roofing, electrical, plumbing and HVAC as the four systems. Its guide explains that the report provides information about system age, type and condition, with supporting photographs for insurance evaluation.
That description is general consumer guidance, not a claim that every insurer uses an identical form or requirement. Share the insurer’s instructions with Kerwin and discuss the required document and inspection scope before booking.
What should you ask your insurance agent?
Ask for the required form or current version, any photo or supporting-document requirements, how recent the report must be, and the submission deadline. Florida’s consumer guide makes clear that the insurer sets the acceptable timeframe.
Citizens has published four-point form updates, but a historical bulletin should not replace current instructions for your policy. Ask your own insurer about required professional qualifications and acceptance. A completed inspection cannot promise that underwriting will approve the property or waive repairs.
Plan before booking
Cost and timing are separate questions.
What does it cost?
Request a quote for a four-point inspection. No Kerwin four-point rate or bundled-service discount is published here.
Include the property address, approximate square footage, insurer’s form and any other requested inspections. Discuss the total scope rather than assuming an insurance form is included in another service.
More about starting prices and the quote processWhen will the information arrive?
Confirm four-point report delivery when requesting the service, particularly if the insurer has a submission deadline.
The same-day home-inspection report commitment is not a published turnaround promise for four-point forms.
Understand report vs. laboratory timingUseful buying questions
Ask these before booking.
- Which form and version does my insurer require?
- What report age, supporting documentation and professional qualifications will the insurer accept?
- Do I need a separate purchase home inspection or wind-mitigation form?
- Can the report timing fit the insurer’s submission deadline?
Limits and expectations
What should you not assume?
- A four-point inspection is limited in purpose and does not replace a full purchase home inspection.
- The insurer—not the inspection company—decides acceptance, eligibility and any required repairs.
- General state or insurer guidance does not establish an individual inspector’s qualifications. Confirm the required qualifications and acceptance with your insurer before booking.
Common questions
Four-point: questions and answers
Is a four-point the same as a full home inspection?
No. It is an insurance-focused evaluation of four systems. Florida’s Insurance Consumer Advocate distinguishes it from a comprehensive home inspection. A buyer may have a separate need for a purchase inspection.
Will a four-point inspection guarantee insurance coverage?
No. The insurer sets acceptance and underwriting requirements and may require repairs or further information. Ask the insurer for the required form and acceptance criteria before booking.
How long is a four-point report accepted?
Ask your insurer or agent. Florida’s consumer guide says each insurer determines the acceptable timeframe; do not assume another policy’s report-age rule applies to yours.
Information and references
Service, starting-price and timing information is supplied by Kerwin Inspections. Discuss the property-specific scope and quote before booking.
The references below support the general consumer guidance on this page. They do not verify Kerwin’s particular methods, credentials or insurer acceptance.