4-Point Insurance Inspection

In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). 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. It is funded by premiums paid by the insured and from other insurance companies paying into the program to reduce their overall losses. The Four Point Insurance Inspection is a visual survey of the following four primary components:

2. HVAC/HEATING

3. ELECTRICAL

4. ROOFING

Current operating conditions

Scheduled maintenance requirements

Expected service life

Is there a standard form to fill out?

There is no industry wide standard form for a Four Point Inspection. Some insurance companies provide their own forms; however, most insurance companies will accept forms from companies that perform home inspections provided that they are filled out by qualified individuals. ISLE Management has developed a form that meets the requirements of most insurance companies in Florida.

Can I fill out the form myself?

Insurance companies want these forms filled out by certain qualified individuals such as a licensed Professional Engineer, Electrician, General or Roofing Contractor and Certified Property Inspector.

I had a home inspection before I purchased the home. Can I use that report instead of getting a Four Point Inspection Report?

The insurance companies do not want large reports that contain other information. They want only specific information about the HVAC, plumbing, electrical system and roof in a short one or two page signed document. In summary, the Four Point Insurance Inspection program is gaining in popularity and will likely continue to expand as the insurance companies recognize the value of the inspection and the savings benefits it provides to the insurance carrier. ISLE Management is proud to or four point insurance inspections as part of our full line of inspection services.