4 Point Inspections are always performed by a Professional Engineers, we never delegate.
The 4 Point Insurance Inspection is usually required when the property is older than 30 years to ensure that the electrical, plumbing, roofing and HVAC (Heating, Ventilation and Air Conditioning) systems are in acceptable conditions.
We meet all the requirements to offer engineering Inspection Services:
Registered Licensed Engineers.
Miami Dade 4-Point Inspection Company with mandatory Authorization from the Florida Board - FBPE.
Local Business Tax.
General Liability (GL) and Professional Liability (E&O).
Our Engineers and Real Estate Inspectors have met a series of stringent requirements and we are qualified to protect the public's health, safety, and welfare through our expertise.
We offer one of the lowest prices.
We offer one of the fastest turnaround times.
We offer one of the best reports for this Four Point Inspections.
We are registered with Central Contractor Registration (CCR), ORCA, Small Business Administration (SBA) to do property inspections for the Federal Government.
The 4 Point Inspections are for properties 30 years or older homes that are more vulnerable to loss if systems have not been updated.
This Four Point Home Inspection form includes the minimum data needed to properly evaluate the application for insurance.
The 4 Point Property Inspection consists of a visual survey of the following four primary components: Roof inspection, Electrical system, HVAC (Heat, Ventilation & AC) and Plumbing.
The Insurance Company uses the following criteria to judge the components include: current operating conditions, scheduled maintenance requirements and expected service life.
Certified Inspector should submit photos with each Four-Point Inspection.
Minimum photo requirements that should be submitted to the insurance companies in a 4-Point Inspection:
--Open main electrical panel and interior door
--HVAC heating system (with dated manufacturer’s plate)
--All hazards or deficiencies noted
This 4-Point Inspection may be submitted for a Roof Inspection Condition Certification Form if a minimum of 2 photos of the roof are provided.
This type of Home Inspections must be completed by a South Florida licensed professional.
For the Insurance Company, the following licensed professionals can complete the Home Inspection in its entirety:
--A Professional Engineer.
--A general, residential, or building contractor.
--A building code inspector.
--A registered architect.
--A building code official who is authorized by the State of Florida to verify building code compliance.
Note: A trade contractor may sign off only on their trade component of the Four Point Inspection report (an electrical inspector may sign off only on the electrical portion of the report).
For this Four Point Insurance Inspection, the licensed professionals are required to certify the condition of the roof, electrical, HVAC and plumbing systems.
For the insurance companies, "Acceptable Condition" in this 4 Point Insurance Inspection means that each system is working as intended and there are no visible hazards or deficiencies.
The insurance companies are expecting the condition of the components listed above to be working within the manufacturer’s specifications. They are looking for the four systems to be in generally good working condition and fulfilling their intended function. If the home is an older home, they want to see that the systems have been updated.
These Insurance Inspections cost $120, but with a Wind Mitigation inspection is 50% off.
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