Lower your Homeowners Insurance Premiums!

Roof, Electrical, HVAC, and Plumbing

The 4-Point Insurance Inspection consists of the following four systems:

  1. Roof inspection 

  2. Electrical Inspection 

  3. HVAC (Heat, Ventilation & Air Conditioning 

  4. Plumbing

The insurance companies 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 the insurance companies want to see that the systems have been updated. In most cases, the forms are provided by the insurance companies to their clients. The clients then ask the inspector to fill the form out during the course of the home inspection.

Able Home Inspection provides superior 4-point insurance inspections in Naples, Fort Myers, Cape Coral, and Marco Island.  If you need a 4-point insurance inspection anywhere in Southwest Florida, we would be happy to assist you.  Our 4-point insurance inspections start at $150.00.

We also offer Wind Mitigation Inspections for insurance purposes:

  • Roofing Mitigation Verification Affidavit

  • Wall & Roofing Mitigation Verification Affidavit

  • Shutter Mitigation Verification Affidavit

Interesting Facts About The 4-Point Inspection

What makes our 4-point insurance inspections superior?  

We use the ONLY Citizens Insurance approved 4-point insurance inspection form.  Since Citizens Insurance has approved our 4-point insurance inspection form, EVERY Florida insurance company that we are aware of will accept it.  This form provides the same information that was requested on other forms and much more. 

This Citizens Insurance approved 4-Point Insurance Inspection form was developed in cooperation with Insurance companies. Note: Also called 4-Point Insurance Inspection.

4-point insurance inspections are quickly becoming required for new insurance and insurance renewals throughout Florida and can often save hundreds on your insurance bill.  If you need a 4-point insurance inspection in Naples, Fort Myers area of Florida, we would be happy to assist you!

The 4-Point Insurance Inspection - also known as the 4-point insurance inspection - was created after Hurricane Andrew struck Florida in 1992. It is performed on behalf of the insurance companies and, typically, as a requirement for the insurer offering insurance to the new homeowner.  The 4-point insurance inspection benefits both the insurance company and the insurer. After last year's barrage of hurricanes in Florida, the 4-Point Insurance Inspection has taken on added importance. As insurance companies are beginning to see the benefit of the inspection, the program is spreading to other areas of the country. The benefit to the insurance company is, obviously, reduced loss risk on homeowner's insurance policies. This is an area of business that has, for many years, been a money loser for insurance companies.

In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association and the Florida Windstorm Underwriting Association. This resulted in the creation of Citizens Property insurance Corporation (Citizens), which more efficiently and effectively provides insurance to, and serves the needs of, homeowners in high-risk areas and others who cannot find coverage in the open, private insurance market.  By law Citizens insurance must be the most expensive insurance policy on the market. It is funded by premiums paid by the insured and from other insurance companies paying into the program to reduce their overall losses.

While the 4-point insurance inspections were started by Citizens, they have quickly spread to most, if not all of the insurance companies that provide coverage in Florida.  Several insurance agencies in the Naples, Fort Myers, Marco Island and Cape Coral area have been recommending the 4-point inspection for some time now.

While Citizens operates only in Florida, I personally know an inspector in central Missouri who has transitioned his entire business into one that deals only with insurance companies. He has shared with me some impressive statistics showing how he has saved the small regional companies he deals with substantial money.

We are qualified to fill out all roof, shutter and roof tie down inspection forms supplied by Citizens Insurance. If you need an Insurance Inspection or have any other questions, please feel free to contact us at (239) 354-3540