4-Point Home Inspection in Jacksonville, FL
Fast, reliable inspections for insurance requirements
4-Point Inspection (Insurance Inspection)
Serving Jacksonville, FL and Surrounding Areas
When your insurance company requests a 4-point inspection, trust High Road Home Inspections LLC to deliver a clear, reliable report. Our certified home inspectors will evaluate your home’s major systems so insurers can assess risk — without the time and cost of a full inspection.
📞 Call or Text: (904) 257-8381
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What Is a 4-Point Inspection?
A 4-point inspection is a targeted evaluation of four key systems in a home:
Roof
Electrical
Plumbing
HVAC (Heating, Ventilation, Air Conditioning)
It’s often required by insurance providers (especially for older homes) to confirm whether the property is insurable or if any system poses excessive risk.
This inspection is not a full home inspection. It focuses exclusively on these four systems and their condition, age, and operational status.
Why Insurance Companies Request It
Insurance carriers use 4-point inspections to:
Assess risk associated with major systems that commonly lead to claims
Determine premiums or eligibility for coverage
Require repairs or updates before issuing or renewing policies
In many cases, homes older than 30 years or those with outdated systems may trigger a 4-point inspection requirement.
What the Inspection Covers
Roof
We examine roof age, materials, wear or damage, leaks, and structural integrity.
Electrical
We inspect the main electrical panel, wiring, breakers, and any obvious hazards or non-code installations.
Plumbing
We review pipe materials, connections, leaks, drainage, and visible defects in plumbing components.
HVAC
We evaluate heating and cooling systems, ventilation, visible ducting, operational performance, and signs of damage or leakage.
Process & Duration
The inspection usually takes 30 minutes to 1 hour, depending on the size of the home and system accessibility.
Our team will visually inspect each system, take photographs, and document deficiencies.
After the inspection, you’ll receive a detailed report the same day summarizing findings and any recommendations or red flags.
What Happens If Issues Are Found?
If the inspection discovers issues (e.g. outdated wiring, roof leaks, failing HVAC), your insurer may ask for documented repairs or system replacements.
You may be able to provide receipts, permits, or documentation of upgrades to satisfy their requirements.
After repairs, a reinspection can often be scheduled to validate compliance.
How to Prepare for a 4-Point Inspection
To make the inspection smoother, homeowners can:
Ensure power, water, and HVAC systems are turned on
Provide access to attics, crawl spaces, electrical panels, HVAC units, plumbing areas
Gather documentation of any recent repairs or upgrades
Address any known leaks, exposed wiring, or visible damage ahead of time
Frequently Asked Questions (FAQ)
Is a 4-point inspection the same as a full home inspection?
No — a full inspection covers structure, foundation, insulation, appliances, etc. A 4-point inspection focuses only on the four major systems.
How much does a 4-point inspection cost?
Costs typically range from $125 to $199 (or higher) depending on property size and complexity.
How often should you get one?
Only when requested by insurance or when renewing coverage. It’s not usually done regularly unless required.
Will this guarantee my home gets insurance coverage?
No — the inspection reports condition, but your insurer makes the final decision based on their risk criteria.
Why Choose High Road Inspections?
Certified, experienced inspectors
Transparent digital reports with photos
Fast turnaround (same-day delivery)
Local expertise in Jacksonville and surrounding areas
Friendly service, clear communication
Trusted Home Inspectors Serving Jacksonville Area
See What People Are Saying
“High Road was very easy to work with. My inspector was prompt, reliable and very courteous! Highly recommend!”
“Jamie and Tammy Darrow are very professional, honest and trustworthy. Very knowledgeable of the work they are doing. It’s a pleasure and a great experience knowing them.”
“Thorough, honest, dependable. Jamie and his staff are professional, friendly and affordable. Never taking a moment for granted, from the first initial phone call , to the handshake at the end...”