Free 4 Point Inspection Template

1. Failing to provide complete contact information for the insured/applicant. Ensure that all fields are filled out accurately.

2. Not including the actual year built of the property. This information is crucial for underwriting.

3. Neglecting to document hazards or deficiencies in the inspection report. All issues must be clearly noted.

4. Omitting required photos of each side of the dwelling and all necessary systems. Photos are essential for a complete assessment.

5. Using an unlicensed inspector to complete the form. Only Florida-licensed professionals are accepted.

6. Not signing and dating the form. The inspector must provide their signature and date to validate the inspection.

7. Failing to explain amperage sufficiency for the electrical systems. If the amperage is not sufficient, an explanation is required.

8. Not providing details on remediation for aluminum wiring if present. Documentation of all work must be included.

9. Leaving the additional comments section blank when there are significant observations. All findings should be documented.

When preparing for a 4-Point Inspection, several other forms and documents may be needed to ensure a comprehensive assessment of the property. Each of these documents serves a specific purpose and provides additional information that can assist in evaluating the insurability of a home. Below is a list of common forms often used alongside the 4-Point Inspection form.

• Roof Inspection Form: This document focuses specifically on the condition of the roof. It details the materials used, age, and any visible damage, ensuring that all aspects of the roof are thoroughly examined.
• HVAC Inspection Report: This report provides a detailed evaluation of the heating, ventilation, and air conditioning systems. It includes information on the age, condition, and maintenance history of the HVAC units, helping to assess their functionality.
• Plumbing Inspection Report: This form outlines the condition of the plumbing systems in the home. It identifies any leaks, the type of piping used, and the overall state of fixtures, which is crucial for understanding potential plumbing issues.
• Electrical Inspection Report: This document examines the electrical systems, including the main panel and wiring. It highlights any hazards or deficiencies, ensuring that the electrical components meet safety standards.
• General Home Inspection Report: A broader assessment of the property, this report covers various aspects, including structural integrity, safety issues, and general maintenance needs. It provides a complete picture of the home's condition.
• Insurance Application Form: This form collects essential information about the property and the applicant. It is often required to initiate the insurance process and may need to be submitted alongside the inspection reports.
• Disclosure Statement: This document is typically provided by the seller and outlines any known issues with the property. It helps potential buyers and insurers understand any pre-existing problems that may affect insurability.

Using these forms in conjunction with the 4-Point Inspection form can provide a more thorough understanding of a property's condition. Each document plays a vital role in ensuring that all systems are evaluated, helping to facilitate a smooth insurance application process.

Filling out and using the 4 Point Inspection form is essential for evaluating a property’s insurability. Here are nine key takeaways to consider:

• The form requires detailed information about the insured/applicant, including name, application number, and property address.
• Each section of the form focuses on a specific system: electrical, HVAC, plumbing, and roof.
• Photographic evidence is crucial. Each side of the dwelling, all roof slopes, and key plumbing and electrical components must be documented.
• A Florida-licensed inspector must complete, sign, and date the form. This ensures that the information is credible and reliable.
• Underwriting relies heavily on the details provided in the form. Accurate and complete information is vital for the evaluation process.
• Hazards or deficiencies noted during the inspection must be clearly documented. This includes issues like leaks, exposed wiring, or inadequate amperage.
• Agents must review the completed form before submission to ensure compliance with all requirements. This step is critical to avoid delays in the application process.
• Specific details about any updates or repairs made to the systems must be included. This information helps assess the current condition of the property.
• Incomplete forms or those lacking required photos may lead to rejection by underwriting. Ensuring all sections are filled out thoroughly is essential for a successful application.

The Home Inspection Report is a comprehensive document that evaluates the overall condition of a property. It covers various systems, including electrical, plumbing, HVAC, and structural components. Similar to the 4-Point Inspection Form, it requires a licensed inspector to assess and document any issues. Both documents aim to provide a clear picture of the property's condition for potential buyers or insurance underwriting. However, the Home Inspection Report typically offers a broader analysis, while the 4-Point Inspection focuses specifically on four critical systems.

The Roof Inspection Report specifically assesses the condition of a roof. It includes details about the roofing materials, age, and any visible damage. Like the 4-Point Inspection Form, it emphasizes the importance of photographs to document the roof's state. Both reports require licensed professionals to conduct the inspection and provide their findings. The Roof Inspection Report is more specialized, concentrating solely on roofing issues, whereas the 4-Point Inspection encompasses multiple systems, including the roof.

The Electrical Inspection Report evaluates the safety and functionality of a property's electrical system. This document outlines the condition of wiring, outlets, and panels, similar to the electrical section of the 4-Point Inspection Form. Both documents aim to identify hazards or deficiencies that could affect safety. However, the Electrical Inspection Report is dedicated entirely to electrical systems, providing more in-depth analysis and recommendations than the broader 4-Point Inspection.

The HVAC Inspection Report focuses exclusively on heating, ventilation, and air conditioning systems. It assesses the operational efficiency and safety of these systems, much like the HVAC section in the 4-Point Inspection Form. Both reports require documentation of service history and any visible issues. While the HVAC Inspection Report provides detailed insights into HVAC systems, the 4-Point Inspection offers a snapshot of multiple systems, including HVAC.

The Plumbing Inspection Report details the condition of a property's plumbing system. It examines pipes, fixtures, and potential leaks, akin to the plumbing section of the 4-Point Inspection Form. Both documents require a licensed inspector to evaluate and report on the plumbing's functionality. However, the Plumbing Inspection Report is more focused, delving deeper into plumbing issues than the broader scope of the 4-Point Inspection.

The Building Code Compliance Report verifies whether a property meets local building codes and regulations. This document is similar to the 4-Point Inspection Form in that it requires a licensed inspector to evaluate various systems. Both reports aim to ensure safety and compliance, although the Building Code Compliance Report is more regulatory in nature. The 4-Point Inspection, on the other hand, is primarily concerned with insurability and the condition of key systems.

The Property Condition Assessment (PCA) is a comprehensive evaluation of a property's physical condition. It includes a review of structural, mechanical, and electrical systems, similar to the 4-Point Inspection Form. Both documents aim to inform stakeholders about potential issues and necessary repairs. However, the PCA typically offers a more extensive analysis, often used for commercial properties, while the 4-Point Inspection is tailored for residential insurance underwriting.

When filling out the 4 Point Inspection form, it is essential to adhere to specific guidelines to ensure accuracy and compliance. Below is a list of recommendations and cautions to consider during this process.

• Do ensure that all sections of the form are completed thoroughly.
• Do provide clear and detailed descriptions of any hazards or deficiencies observed.
• Do include the required photographs for each system as specified in the guidelines.
• Do verify that the inspector is a licensed Florida professional and that their signature is included.
• Don't leave any sections blank; all areas must be addressed.
• Don't submit the form without the necessary supporting documentation for any remediation work.
• Don't overlook the importance of including the date of the inspection and the inspector's license number.
• Don't assume that verbal explanations are sufficient; written comments are required for clarity.