If you're buying a home or renewing your homeowner's insurance in Florida, you've probably come across the term four-point inspection. But what does it actually mean—and how is it different from a full home inspection?
While both types of inspections aim to evaluate a home’s condition, they serve different purposes and vary significantly in scope. Choosing the right one is essential for protecting your investment and meeting your specific needs.
In this article, we’ll explain what a four-point inspection covers, how it compares to a full inspection, and when each one is the better option.
What Is a Four-Point Inspection?
A four-point inspection is a focused review of the four main systems within a home:
Roof
Electrical system
Plumbing
HVAC (Heating, Ventilation, and Air Conditioning)
This type of inspection is most commonly required by insurance companies, particularly when you're trying to insure an older home—usually 30 years or older, though this can vary depending on the insurer.
What’s Included?
Roof: Inspectors assess the age, material, and overall condition of the roof. Insurance providers often have age limits on coverage, such as 20 years for shingles or 40 years for metal roofs.
Electrical System: The type of wiring is reviewed to ensure it meets safety standards. Outdated materials like aluminum wiring can reduce your chances of getting insured.
Plumbing: The inspector will check for pipe material and signs of leaks or corrosion. Certain types of piping, like polybutylene, may raise red flags with insurers.
HVAC: Inspectors verify whether the system is functional and well-maintained. Florida homes rely heavily on air conditioning, so a working HVAC system is essential.
A four-point inspection is relatively quick—often completed in under an hour—and costs less than a full home inspection. However, its limited scope makes it less suitable for buyers looking for a full picture of a property's condition.
What Does a Full Home Inspection Cover?
A full home inspection provides a comprehensive overview of the entire property. In addition to the four areas covered by a four-point inspection, it includes:
Structural components like the foundation and framing
Roofing, walls, doors, and windows
Attic, insulation, and ventilation
Plumbing fixtures and drainage
Interior and exterior systems
Built-in appliances
Electrical panels, outlets, and lighting
Fire safety features like smoke detectors and GFCI outlets
This inspection is especially important for homebuyers, as it helps uncover issues that may not be visible during a casual walkthrough.
A full inspection typically takes a few hours and includes a detailed written report with photos and recommendations—usually delivered within 24 to 48 hours.
When Should You Choose a Four-Point Inspection?
A four-point inspection is the right choice if:
Your home insurance provider specifically requests it
You're insuring an older home
You need a fast, affordable overview of essential systems
However, if you’re purchasing a home, relying only on a four-point inspection can be risky. It won’t identify potential issues like structural damage, water intrusion, or safety hazards—all of which can lead to major costs down the line.
Why a Full Inspection Is Worth It
While a full inspection costs more, it offers peace of mind and valuable insight into a property’s true condition. It can help you:
Spot expensive repairs before closing
Negotiate a lower purchase price or request repairs
Avoid costly surprises after you move in
Think of it as a smart investment in your future home.
Partner With a Trusted Home Inspector
No matter which inspection you need, working with an experienced, licensed professional is crucial.
If you're located in Orlando, Palm Beach, Broward, Hendry, Saint Lucie, or Martin County, you can count on Guardian Angel Inspections. Our team is known for delivering reliable, detailed, and timely inspection reports that meet and exceed industry standards.
We’re proud to be recognized as the top-rated home inspection company by the largest realtor organization in Palm Beach County, trusted by real estate agents and homeowners alike.
Final Thoughts
Here’s a quick recap:
A four-point inspection focuses on the roof, electrical, plumbing, and HVAC systems—perfect for insurance requirements.
A full home inspection offers a thorough review of the entire property—ideal for homebuyers who want a complete assessment.
Choosing the right type of inspection helps you make informed decisions and protect your investment.
Need an inspection in Florida?
Contact Guardian Angel Inspections today to schedule your four-point inspection or full home inspection with one of the most trusted teams in the state.
