Florida 4 Point
Four Point Insurance Inspection
| Certified Four Point Insurance Inspections $100 321-626-8840 Brevard 407-615-3640 Orlando 386-305-3285 Daytona |
Please be aware the Inspection Profession in Florida is
considered an unregulated business, there are currently no
licensing provision for Home Inspectors, due to this fact there
are many unqualified individuals soliciting insurance inspection
work. Be advised that insurance companies have
requirements and will not accept inspections from non-certified
inspectors; Roof and electrical systems must be inspected by
certified individuals or policies can be denied.
To bypass the insurance company requirements most
non-certified inspectors employ licensed general contractors &
electricians to sign off on their inspection documents.
The effect of having contractors involved with insurance
inspections drives up the cost for policyholders in two ways;
first there are more people doing the inspection who must be
paid for their time, and secondly there are unscrupulous
contractors who attempt to enrich themselves by pressuring
homeowners into purchasing unnecessary repairs.
Inspections performed by Florida Four Point or one of our
listed affiliates are guaranteed to be accepted by every
insurance company doing business in the state of Florida or
your money back. We can make this claim because all of our
inspectors are insurance company approved who more
importantly, do not perform repair work. By using Florida Four
Point you are guaranteed a fair price for an approved
inspection and will never be pestered by contractors selling
needless repairs.
The Four 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. After the barrage of hurricanes in Florida in 04,
the Four 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 homeowners 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 (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 consists of a visual
survey of the following four primary components:
Roof
Electrical
HVAC System
Plumbing
The insurance companies are expecting the condition of the
components listed above to be working as intended within the
manufacturer’s specifications. The criteria used to judge the
components include:
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. Bell Inspection
Service uses a form that meets the requirements of all
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 Home
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. Bell
Inspection Service is proud to offer four point insurance
inspections as part of our full line of inspection services.
considered an unregulated business, there are currently no
licensing provision for Home Inspectors, due to this fact there
are many unqualified individuals soliciting insurance inspection
work. Be advised that insurance companies have
requirements and will not accept inspections from non-certified
inspectors; Roof and electrical systems must be inspected by
certified individuals or policies can be denied.
To bypass the insurance company requirements most
non-certified inspectors employ licensed general contractors &
electricians to sign off on their inspection documents.
The effect of having contractors involved with insurance
inspections drives up the cost for policyholders in two ways;
first there are more people doing the inspection who must be
paid for their time, and secondly there are unscrupulous
contractors who attempt to enrich themselves by pressuring
homeowners into purchasing unnecessary repairs.
Inspections performed by Florida Four Point or one of our
listed affiliates are guaranteed to be accepted by every
insurance company doing business in the state of Florida or
your money back. We can make this claim because all of our
inspectors are insurance company approved who more
importantly, do not perform repair work. By using Florida Four
Point you are guaranteed a fair price for an approved
inspection and will never be pestered by contractors selling
needless repairs.
The Four 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. After the barrage of hurricanes in Florida in 04,
the Four 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 homeowners 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 (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 consists of a visual
survey of the following four primary components:
Roof
Electrical
HVAC System
Plumbing
The insurance companies are expecting the condition of the
components listed above to be working as intended within the
manufacturer’s specifications. The criteria used to judge the
components include:
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. Bell Inspection
Service uses a form that meets the requirements of all
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 Home
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. Bell
Inspection Service is proud to offer four point insurance
inspections as part of our full line of inspection services.
| Please click the links to find Certified Insurance Inspectors in other areas of Florida Tampa Broward, Dade and Palm Beach Gainesville |
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