4-Point Inspection

A 4-Point Inspection focuses on the four major systems that determine a home’s safety and insurability — the Roof, HVAC (Heating & Cooling), Electrical, and Plumbing systems. Insurance companies often require this inspection for homes 25 years or older to verify condition and identify potential risks before issuing or renewing a policy.

Why the 4-Point Inspection Exists

The 4-Point Inspection was developed for insurance risk assessments, helping carriers determine whether a property’s key systems are up-to-date, safe, and well-maintained. This limited-scope inspection helps both insurers and homeowners understand the home’s overall health without performing a full general home inspection.

By examining the roof, HVAC, plumbing, and electrical, we document:

Many Florida homeowners use a 4-Point Inspection to qualify for insurance discounts or complete updates before listing their home for sale.

What We Inspect

Roof System

We evaluate the roof’s age, type, and condition — including shingles, flashing, gutters, visible leaks, sagging, and soft spots. A well-maintained roof is one of the biggest factors affecting insurance approval in Florida.

HVAC (Heating & Cooling)

We inspect the system’s air handler, condenser, thermostat, and ductwork to confirm proper function, age, and safety. We note visible wear, corrosion, and whether the unit is nearing the end of its service life.

Plumbing System

We review visible piping materials, the water heater’s age and condition, shut-off valves, and under-sink connections. Insurers focus on piping types (copper, CPVC, PVC, polybutylene, etc.) and their visible condition.

Electrical System

We examine the main electrical service panel, breakers, wiring, grounding, and visible safety hazards. We remove the dead-front cover for a proper interior inspection, checking for outdated or recalled panels like Federal Pacific or Zinsco.

What We’ll Need From You

To help your inspection go smoothly:

Provide interior access to all systems.
Clear the electrical panel area so we can remove the cover safely.
Make sure the water heater is visible from top to bottom.
Clear under-sink cabinets so we can inspect plumbing.
Secure pets in a safe space during the inspection.
Remove any obstructions blocking HVAC units, attic entries, or electrical closets.

We treat every property with care and respect, completing your inspection efficiently while meeting insurance requirements.

What to Expect

A licensed, certified inspector will arrive on time and explain the inspection process.
We’ll inspect and photograph each of the four systems, noting any visible deficiencies or safety concerns.
You’ll receive a digital 4-Point report that meets Florida insurance carrier standards.
Reports are typically delivered within 24 hours, ready for submission to your agent or insurer.
If your insurer requires repairs or updates, our detailed findings will help you address them quickly.

Why Choose Tribe Inspections

Certified and experienced home inspectors
Locally owned and operated in Groveland, FL (34736)
Fast, professional service with easy scheduling and same-day or next-day delivery
Compliant with Florida insurance and InterNACHI® standards
Serving both residential and light commercial clients

At Tribe Inspections, we combine knowledge, integrity, and experience to deliver reliable 4-Point Inspections throughout Lake, Orange, Seminole, and Osceola Counties — proudly serving Groveland, Minneola, Mascotte, Montverde, Clermont, Howey-in-the-Hills, Leesburg, Tavares, Eustis, Umatilla, Mount Dora, Apopka, Winter Garden, Orlando, and surrounding cities.

Contact Tribe Inspection

Serving Lake, Orange, Seminole, and Osceola Counties and surrounding areas.