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Fill Out a Valid 4 Point Inspection Form

The 4-Point Inspection Form is a crucial document used to evaluate the condition of four major systems in a home: the roof, electrical, HVAC, and plumbing. This inspection is typically required by insurance companies to assess the insurability of a property. To ensure a smooth application process, it is essential to complete this form accurately and thoroughly.

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Fill Out a Valid 4 Point Inspection Form

Structure

The 4 Point Inspection form is an essential tool for assessing the condition of key systems in a property, particularly for insurance purposes. It focuses on four main areas: the roof, electrical system, HVAC (heating, ventilation, and air conditioning), and plumbing. Each section of the form requires detailed information, including the age of the systems, their current condition, and any visible hazards. For instance, the electrical section not only checks for the presence of aluminum wiring and other potential issues but also requires documentation of any remediation efforts. Similarly, the HVAC section evaluates whether the heating and cooling systems are functioning properly, while the plumbing section looks for leaks and the overall state of fixtures. Photographic evidence is a critical component, ensuring that each area inspected is documented thoroughly. This form must be completed by a licensed inspector in Florida, who certifies that the information provided reflects the true condition of the property. By understanding the nuances of the 4 Point Inspection form, property owners and agents can better navigate the insurance application process and ensure that all necessary requirements are met.

Common mistakes

Inadequate Documentation: Failing to provide sufficient photos as required can lead to delays. Each side of the dwelling, every slope of the roof, and all critical plumbing and electrical components must be documented.
Missing Signatures: All forms must be signed and dated by a Florida-licensed inspector. Omitting this step can render the inspection invalid.
Incomplete Information: Leaving out crucial details such as the actual year built or the date inspected can create confusion and may lead to rejection of the application.
Neglecting Hazards: Not indicating any visible hazards or deficiencies in the report can lead to serious issues later. Transparency is key.
Incorrect Electrical Details: Providing inaccurate information about the electrical system, such as the type of wiring or the amperage, can jeopardize the insurability of the property.
Overlooking HVAC Condition: Failing to assess the HVAC system properly can result in significant problems. Indicate whether the system is in good working order and provide the date of the last servicing.
Ignoring Plumbing Issues: Not checking for leaks or the condition of plumbing fixtures can lead to costly repairs. Always note any signs of leaks or prior issues.
Roof Condition Misrepresentation: Misstating the condition of the roof or failing to mention visible signs of damage can have serious repercussions. Always provide a thorough assessment.
Failure to Identify Updates: Not documenting any updates made to the systems can result in misunderstandings about the property's condition. Be specific about what was updated and when.
Submitting Without Review: Agents must review the completed form before submission. Neglecting this step can lead to applications being bound with incomplete or incorrect information.

Preview - 4 Point Inspection Form

4-Point Inspection Form

Insured/Applicant Name:_________________________________________________ Application / Policy #:__________________________

Address Inspected:___________________________________________________________________________________________________

Actual Year Built:________________________		Date Inspected: ______________________________________________

Minimum Photo Requirements:
Dwelling: Each side	Roof: Each slope	Plumbing: Water heater, under cabinet plumbing/drains, exposed valves

Main electrical service panel with interior door label

Electrical box with panel off

All hazards or deficiencies noted in this report

A Florida-licensed inspector must complete, sign and date this form.

Be advised that Underwriting will rely on the information in this sample form, or a similar form, that is obtained from the Florida licensed professional of your choice. This information only is used to determine insurability and is not a warranty or assurance of the suitability, fitness or longevity of any of the systems inspected.

Electrical System

Separate documentation of any aluminum wiring remediation must be provided and certified by a licensed electrician.

Main Panel				Second Panel
Type:	Circuit breaker	Fuse		Type:	Circuit breaker Fuse
Total Amps: __________				Total Amps: __________
Is amperage sufficient for current usage?			Yes No (explain)	Is amperage sufficient for current usage?		Yes No (explain)

Indicate presence of any of the following:

Cloth wiring

Active knob and tube

Branch circuit aluminum wiring (If present, describe the usage of all aluminum wiring):

* If single strand (aluminum branch) wiring, provide details of all remediation. Separate documentation of all work must be provided.

Connections repaired via COPALUM crimp Connections repaired via AlumiConn

Hazards Present			Double taps
Blowing fuses			Exposed wiring
Tripping breakers			Unsafe wiring
Empty sockets			Improper breaker size
Loose wiring			Scorching
Improper grounding			Other (explain)
Corrosion
Over fusing

General condition of the electrical system:	Satisfactory	Unsatisfactory (explain)

Supplemental information

Main Panel	Second Panel	Wiring Type
Panel age: __________	Panel age: __________	Copper
Year last updated: __________	Year last updated:__________	NM, BX or Conduit
Brand/Model: __________	Brand/Model: __________

Sample Form Insp4pt 01 18

4-Point Inspection Form

HVAC System

Central AC:	Yes	No
Central heat:	Yes	No

If not central heat, indicate primary heat source and fuel type: _________________________________

Are the heating, ventilation and air conditioning systems in good working order?						Yes	No (explain)
Date of last HVAC servicing/inspection: ______________

Hazards Present
Wood-burning stove or central gas fireplace not professionally installed?					Yes	No
Space heater used as primary heat source?			Yes	No
Is the source portable?	Yes	No

Does the air handler/condensate line or drain pan show any signs of blockage or leakage, including water damage to the surrounding area?

Yes No

Supplemental Information

Age of system: _____________

Year last updated: _____________

(Please attach photo(s) of HVAC equipment, including dated manufacturer’s plate)

Plumbing System

Is there a temperature pressure relief valve on the water heater?			Yes	No
Is there any indication of an active leak?	Yes	No
Is there any indication of a prior leak?	Yes	No
Water heater location: _______________________________________________

General condition of the following plumbing fixtures and connections to appliances:
Satisfactory Unsatisfactory		N/A		Satisfactory Unsatisfactory	N/A
Satisfactory Unsatisfactory		N/A		Satisfactory Unsatisfactory	N/A
Dishwasher				Toilets
Refrigerator				Sinks
Washing machine				Sump pump
Water heater				Main shut off valve
Showers/Tubs				All other visible

If unsatisfactory, please provide comments/details (leaks, wet/soft spots, mold, corrosion, grout/caulk, etc.).

Supplemental Information

Age of Piping System:		Type of pipes (check all that apply)
_____	Original to home	Copper
		Copper
_____	Completely re-piped	PVC/CPVC
		PVC/CPVC
_____	Partially re-piped	Galvanized
		Galvanized
(Provide year and extent of renovation in the comments below)		PEX
		PEX
		Polybutylene
		Other (specify)

Sample Form Insp4pt 01 18

4-Point Inspection Form

Roof (With photos of each roof slope, this section can take the place of the Roof Inspection Form.)

Predominant Roof

Covering material: __________

Roof age (years): __________

Remaining useful life (years): __________

Date of last roofing permit: __________

Date of last update: __________

If updated (check one):

Full replacement Partial replacement

%of replacement: __________

Overall condition:

Satisfactory

Unsatisfactory (explain below)

Any visible signs of damage / deterioration?

(check all that apply and explain below)

Cracking

Cupping/curling

Excessive granule loss

Exposed asphalt

Exposed felt

Missing/loose/cracked tabs or tiles

Soft spots in decking Visible hail damage

Any visible signs of leaks? Yes No

Attic/underside of decking Yes No

Interior ceilings Yes No

Secondary Roof

Covering material: __________

Roof age (years): __________

Remaining useful life (years): __________

Date of last roofing permit: __________

Date of last update: __________

If updated (check one):

Full replacement Partial replacement

%of replacement: __________

Overall condition:

Satisfactory

Unsatisfactory (explain below)

Any visible signs of damage / deterioration?

(check all that apply and explain below)

Cracking

Cupping/curling

Excessive granule loss

Exposed asphalt

Exposed felt

Missing/loose/cracked tabs or tiles

Soft spots in decking Visible hail damage

Any visible signs of leaks? Yes No

Attic/underside of decking Yes No

Interior ceilings Yes No

Additional Comments/Observations (use additional pages if needed):

All 4-Point Inspection Forms must be completed and signed by a verifiable Florida-licensed inspector. I certify that the above statements are true and correct.

Inspector Signature	Title	License Number	Date

Company Name	License Type	Work Phone

Sample Form Insp4pt 01 18

4-Point Inspection Form

Special Instructions: This sample 4-Point Inspection Form includes the minimum data needed for Underwriting to properly evaluate a property application. While this specific form is not required, any other inspection report submitted for consideration must include at least this level of detail to be acceptable.

Photo Requirements

Photos must accompany each 4-Point Inspection Form. The minimum photo requirements include:

•Dwelling: Each side

•Roof: Each slope

•Plumbing: Water heater, under cabinet plumbing/drains, exposed valves

•Open main electrical panel and interior door

•Electrical box with the panel off

•All hazards or deficiencies

Inspector Requirements

To be accepted, all inspection forms must be completed, signed and dated by a verifiable Florida-licensed professional. Examples include:

•A general, residential, or building contractor

•A building code inspector

•A home inspector

Note: A trade-specific, licensed professional may sign off only on the inspection form section for their trade. (e.g., an electrician may sign off only on the electrical section of the form.)

Documenting the Condition of Each System

The Florida-licensed inspector is required to certify the condition of the roof, electrical, HVAC and plumbing systems. Acceptable Condition means that each system is working as intended and there are no visible hazards or deficiencies.

Additional Comments or Observations

This section of the 4-Point Inspection Form must be completed with full details/descriptions if any of the following are noted on the inspection:

•Updates: Identify the types of updates, dates completed and by whom

•Any visible hazards or deficiencies

•Any system determined not to be in good working order

Note to All Agents

The writing agent must review each 4-Point Inspection Form before it is submitted with an application for coverage. It is the agent’s responsibility to ensure that all rules and requirements are met before the application is bound. Agents may not submit applications for properties with electrical, heating or plumbing systems not in good working order or with existing hazards/deficiencies.

Sample Form Insp4pt 01 18

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Documents used along the form

The 4-Point Inspection Form is a crucial document used in property insurance applications, particularly in Florida. It provides a detailed assessment of four key systems in a home: the roof, electrical, HVAC, and plumbing. Alongside this form, several other documents are often required to ensure a comprehensive evaluation of the property. Below is a list of related forms that complement the 4-Point Inspection Form.

Roof Inspection Form: This document specifically focuses on the condition of the roof. It details the type of roofing materials, age, and any visible signs of damage or leaks. A thorough roof inspection is essential for determining the roof's remaining useful life and its impact on insurability.
Mobile Home Bill of Sale: This document is essential for the transfer of ownership of a mobile home, clearly detailing the buyer's and seller's information as well as the sale price, ensuring a smooth transaction and protecting both parties' interests. For more information, visit the Mobile Home Bill of Sale.
Electrical Inspection Report: This report provides a detailed analysis of the electrical system within the property. It includes information about the main panel, wiring type, and any identified hazards. This document is vital for ensuring that the electrical system meets safety standards and is functioning properly.
HVAC Inspection Report: This form evaluates the heating, ventilation, and air conditioning systems in the home. It covers aspects such as the age of the system, maintenance history, and any operational issues. Proper HVAC functioning is critical for the comfort and safety of the home’s occupants.
Plumbing Inspection Report: This document assesses the plumbing system, including pipes, fixtures, and potential leaks. It is essential for identifying any existing plumbing issues that could affect the property’s insurability and overall condition.

Each of these documents plays a significant role in the overall assessment of a property’s condition. Together with the 4-Point Inspection Form, they provide a thorough overview that helps insurance underwriters make informed decisions. Ensuring that all forms are completed accurately and comprehensively can significantly impact the approval of insurance applications.

Similar forms

The 4-Point Inspection form is similar to a Home Inspection Report. Both documents assess the condition of a home, focusing on critical systems like plumbing, electrical, roofing, and HVAC. A Home Inspection Report often provides a more comprehensive overview, including additional details about structural integrity and safety features. Like the 4-Point Inspection, it requires a licensed inspector to ensure that the findings are credible and reliable for potential buyers or insurers.

Another document akin to the 4-Point Inspection form is the Roof Inspection Report. This report specifically evaluates the roof's condition, age, and potential issues. While the 4-Point Inspection includes roof assessment as part of a broader evaluation, the Roof Inspection Report focuses solely on roofing materials, installation quality, and signs of wear or damage. Both documents aim to provide a clear understanding of the roof's health and any necessary repairs.

The Electrical Inspection Report shares similarities with the 4-Point Inspection form in that it examines the electrical systems of a property. This report typically includes details about wiring, panel conditions, and safety hazards. While the 4-Point Inspection provides a snapshot of the electrical system as part of a larger evaluation, the Electrical Inspection Report delves deeper into code compliance and potential risks, making it essential for ensuring safety in a home.

Additionally, the HVAC Inspection Report is comparable to the 4-Point Inspection form. Both documents assess heating, ventilation, and air conditioning systems for functionality and safety. The HVAC Inspection Report, however, often includes more detailed information about system efficiency, maintenance history, and potential upgrades. While the 4-Point Inspection checks for basic operational status, the HVAC Report may provide recommendations for improvements or repairs.

The Plumbing Inspection Report is another document that aligns closely with the 4-Point Inspection form. This report focuses on the plumbing system, detailing the condition of pipes, fixtures, and water supply systems. While the 4-Point Inspection provides a general overview of plumbing conditions, the Plumbing Inspection Report goes further by identifying specific issues, such as leaks or outdated materials, which may require immediate attention.

A Property Condition Assessment (PCA) is also similar to the 4-Point Inspection form. A PCA evaluates the overall condition of a property, including structural, mechanical, and electrical systems. While the 4-Point Inspection targets specific systems for insurance purposes, a PCA offers a broader perspective, often used in commercial real estate transactions to inform potential buyers about the property's condition and any required repairs.

The Insurance Underwriting Inspection Report shares commonalities with the 4-Point Inspection form. This report is used by insurance companies to assess risk factors associated with a property. Like the 4-Point Inspection, it evaluates essential systems and identifies hazards. However, the Insurance Underwriting Inspection Report may also include additional factors like neighborhood conditions and historical claims data, providing a more comprehensive risk assessment for insurers.

For individuals looking to buy or sell an RV, understanding the importance of proper documentation is essential; one vital document in this process is the RV Bill of Sale, which can be obtained from sites like https://georgiapdf.com. This form serves not only as proof of ownership transfer but also ensures both parties have a clear record of the transaction details, preventing future disputes and facilitating a smoother transition between the buyer and seller.

Finally, the Appraisal Report may also be seen as similar to the 4-Point Inspection form. While primarily focused on determining property value, an Appraisal Report often includes evaluations of the property's condition, including major systems. Both documents require a qualified professional to ensure accuracy, though the Appraisal Report emphasizes market value and comparables, whereas the 4-Point Inspection is more concerned with the operational status of the home's critical systems.

Dos and Don'ts

Things You Should Do:

Ensure all sections of the form are completely filled out.
Provide clear and accurate photos for each required area.
Have a Florida-licensed inspector sign and date the form.
Include detailed comments for any issues found during the inspection.

Things You Shouldn't Do:

Do not leave any sections blank or incomplete.
Avoid using outdated photos that do not reflect the current condition.
Never submit the form without the inspector's signature and date.
Do not ignore any visible hazards or deficiencies in your comments.

Key takeaways

Here are some key takeaways about filling out and using the 4 Point Inspection form:

The form must be completed by a Florida-licensed inspector.
It is essential to provide accurate information about the property, including the insured/applicant name and address.
Minimum photo requirements include images of the dwelling, roof slopes, plumbing components, and electrical panels.
Each system—roof, electrical, HVAC, and plumbing—must be evaluated for its condition.
Hazards or deficiencies noted during the inspection must be clearly documented.
The inspector must certify that the information provided is true and correct.
All sections of the form must be filled out completely, including any additional comments or observations.
Agents should review the form before submission to ensure all requirements are met.
Documentation of any remediation for aluminum wiring must be included if applicable.
Forms submitted must include the inspector's signature, title, license number, and company information.

How to Use 4 Point Inspection

Completing the 4 Point Inspection form is an essential step in the process of assessing a property’s insurability. This form requires careful attention to detail and thorough documentation of various systems within the home. Follow these steps to ensure that you fill out the form accurately and comprehensively.

Insured/Applicant Information: Fill in the name of the insured or applicant at the top of the form.
Application/Policy Number: Enter the relevant application or policy number next to the corresponding label.
Address Inspected: Provide the complete address of the property being inspected.
Year Built: Indicate the actual year the property was built.
Date Inspected: Write the date on which the inspection is conducted.
Minimum Photo Requirements: Ensure to take and attach photos of the dwelling (each side), roof (each slope), plumbing (water heater, under cabinet plumbing/drains, exposed valves), and the main electrical service panel with the interior door label.
Electrical System: Document the type of main and second panel (circuit breaker or fuse), total amps, and check if the amperage is sufficient for current usage.
Hazards: Note any hazards present in the electrical system, such as double taps, blowing fuses, or improper grounding.
General Condition: Assess the overall condition of the electrical system as satisfactory or unsatisfactory and provide explanations as needed.
HVAC System: Indicate whether there is central AC and heat, and if the systems are in good working order. Include the date of the last HVAC servicing.
Plumbing System: Answer questions regarding the temperature pressure relief valve, active leaks, and the general condition of plumbing fixtures.
Roof Information: Fill in details about the predominant roof covering material, roof age, and overall condition. Note any visible signs of damage or leaks.
Additional Comments: Use this section to provide any further observations or details that are relevant to the inspection.
Inspector Certification: The Florida-licensed inspector must sign, date, and include their title, license number, company name, and license type at the end of the form.

After completing the form, ensure that all required documentation, including photos and any additional comments, is attached. This thoroughness will facilitate the underwriting process and help in determining the insurability of the property.