4-Point Inspection in Florida: What It Is and When Citizens Requires It

Short answer: A 4-point inspection is a report by a Florida-licensed inspector on the age, type and condition of a home's roof, electrical, plumbing and HVAC. Citizens requires one for new-business applications on homes more than 20 years old, and the report must be dated within 12 months of the application.

The four points

Roof, electrical, plumbing and heating/cooling (HVAC): age, type and condition of each.

When Citizens requires it

For new-business applications on properties more than 20 years old. On renewals, only if underwriting decides case by case.

Hazards

Serious hazards (exposed wiring, active leaks or evidence of leaks) should be repaired before applying.

What to do

  1. Hire a Florida-licensed inspector.
  2. Fix obvious hazards first (leaks, exposed wiring).
  3. Submit the report (dated within 12 months) with your application.

FAQ

Is a 4-point needed on renewal?

For Citizens, only on new business unless underwriting requests it case by case.

How old can the report be?

Citizens requires it to be dated within the last 12 months before the new-business application.

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Sources

Last reviewed: November 2, 2026. Rules change; confirm with the official source.

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