4-Point Roof Inspection in South Florida — Required for Most Home Insurance Renewals
Performed by a Licensed General Contractor. Fast turnaround. Honest report. Serving all of Broward and Palm Beach County.
Schedule Your 4-Point Inspection — (954) 533-0707 | Request a Callback
If your home is 25 years or older, chances are your insurance company is asking for a 4-point inspection before they’ll renew — or issue — your homeowners policy. It’s one of the most common requirements in Florida, and one of the most misunderstood.
At Renegade Roofing Co., our 4-point inspections are performed by William Roberts — State Certified General Contractor (GC #CGC1514572) with over 20 years of South Florida roofing experience. You’re getting a licensed professional who knows exactly how to assess these systems accurately, document them thoroughly, and give you a report your insurance carrier will accept.
What Is a 4-Point Roof Inspection in Florida?
A 4-point inspection evaluates the four major systems of a home that insurance companies care about most:
Roof
Age, condition, material type, and remaining useful life. This is the section that most affects your insurability. An older or damaged roof can result in coverage being denied or non-renewed.
Electrical
Panel type, wiring condition, and whether the system meets current safety standards. Certain panel brands (Federal Pacific, Zinsco) are often flagged by insurers.
Plumbing
Pipe material (copper, PVC, polybutylene) and any visible signs of leaks or deferred maintenance.
HVAC
Age, condition, and serviceability of heating and cooling systems.
The completed 4-point report is submitted to your insurance carrier as evidence that the home’s major systems are in acceptable condition. Without it, many Florida insurers won’t issue or renew a policy on older homes.
Do You Need a 4-Point Inspection?
In Florida, a 4-point inspection is typically required when:
- Your home is 25 years or older and you’re applying for a new homeowners policy.
- Your current insurer is renewing your policy and requests updated documentation.
- You’re buying or selling an older home and the buyer’s insurer requires it.
- Your insurer has sent a non-renewal notice citing the age or condition of the home’s systems.
- You want to shop your insurance to a different carrier.
If you’ve received a letter from your insurance company requesting a 4-point inspection, don’t wait. Delays can result in a lapse in coverage.
Why Have Your 4-Point Inspection Done by a Licensed Roofer?
Most 4-point inspections are performed by general home inspectors — professionals who assess all four systems at a surface level. For the electrical, plumbing, and HVAC sections, that’s often fine.
For the roof section, it matters who’s doing the looking.
A general home inspector assesses the roof visually from the ground or a quick attic check. William Roberts gets on the roof. He reads the deck. He knows what ring-shank nails look like vs. staples. He knows what a properly sealed hip ridge looks like vs. one that’s failing. He knows the difference between cosmetic wear and structural deterioration — and that difference can determine whether your claim gets approved or denied, and whether your insurer renews your policy or cancels it.
You want the roof section of your 4-point report to be accurate. Accurate means assessed by someone who knows roofs.
The report is signed by the license holder. Not a qualifying contractor. The owner himself.
A lot of inspection services in South Florida operate under a qualifying contractor arrangement — a licensed professional lends their credential to a business they’re minimally involved with. The inspector shows up, fills out the form, and the report is signed under a license that belongs to someone who may never have seen your property.
William Roberts holds his own State Certified General Contractor license (GC #CGC1514572) and Roofing Contractor license (CCC1328895). He has operated Renegade Roofing Co. in South Florida for over 20 years under his own licenses. When he signs your 4-point report, his name, his license, and his 20-year reputation are behind it.
That’s the report your insurance company gets. That’s who stands behind it.
Bundle Your 4-Point and Wind Mitigation Inspection — One Visit, Two Reports
Most South Florida homeowners benefit from both a 4-point inspection and a wind mitigation inspection. The 4-point satisfies your insurer’s documentation requirement. The wind mitigation report qualifies you for premium discounts — sometimes $500–$2,000+ per year.
We offer both in a single visit. One trip. Two completed forms. Maximum value.
Ask about our combination inspection when you call.
Schedule a Combo Inspection — (954) 533-0707
What to Expect From Your 4-Point Inspection
Step 1 — Schedule
Call (954) 533-0707 or request a callback. We confirm within 24 hours and come to you throughout Broward and Palm Beach County.
Step 2 — The Inspection
We assess all four systems — roof, electrical, plumbing, HVAC — and document findings with photos. Most inspections take 60–90 minutes depending on home size.
Step 3 — Your Report
You receive a complete, signed 4-point inspection report, ready for submission to your insurance carrier. We’ll walk you through the findings and flag anything that could be an issue with your insurer.
Step 4 — If the Roof Needs Attention
If the roof section reveals issues that could affect your coverage, we’ll give you an honest assessment and a free roofing estimate. No pressure. You’ll have the full picture before any decisions need to be made.
Serving All of Broward and Palm Beach County
We perform 4-point inspections throughout South Florida:
Deerfield Beach · Fort Lauderdale · Boca Raton · Pompano Beach · Delray Beach · West Palm Beach · Coral Springs · Lighthouse Point · Coconut Creek · Margate · Parkland · Weston · Pembroke Pines · Miramar · Hollywood · Hallandale Beach · Sunrise · Plantation · Lauderhill
Frequently Asked Questions About 4-Point Inspections in Florida
What is a 4-point inspection in Florida and why do I need one?
A 4-point inspection evaluates the four major systems of your home — roof, electrical, plumbing, and HVAC — and documents their age and condition. Florida insurance companies require it for older homes (typically 25+ years) before issuing or renewing a homeowners policy. Without a passing 4-point inspection, many insurers will not cover your home.
Who can perform a 4-point inspection in Florida?
Florida 4-point inspections must be performed by a licensed professional — including licensed general contractors, home inspectors, engineers, or architects. At Renegade Roofing, inspections are performed by William Roberts, State Certified General Contractor (GC #CGC1514572).
How long does a 4-point inspection take?
Most 4-point inspections take 60–90 minutes depending on the size of the home and accessibility of the systems. We’ll give you a realistic time estimate when you schedule.
What happens if my 4-point inspection reveals roof problems?
We’ll tell you honestly what we found, what it means for your coverage, and what your options are — including a free roofing estimate if repairs or replacement are warranted. You’ll have a clear picture of your roof’s condition and time to address it on your own terms.
Can I fail a 4-point inspection?
The 4-point is not a pass/fail test in the traditional sense — it’s a documentation of current conditions. However, what’s documented can cause your insurance carrier to deny coverage, require repairs before renewal, or significantly increase your premium. Common issues include roofs over 15–20 years old (especially shingle), certain electrical panel brands, polybutylene pipes, and aging HVAC systems.
How is a 4-point inspection different from a wind mitigation inspection?
A 4-point inspection documents the condition of your home’s major systems for insurance eligibility. A wind mitigation inspection documents your home’s wind resistance features to qualify for insurance premium discounts. They serve different purposes — but many South Florida homeowners need both. We offer them together in a single visit.
How long is a 4-point inspection report valid in Florida?
Most insurance carriers accept a 4-point inspection report for 3–5 years, though individual insurer requirements vary. If you’ve had significant system upgrades (new roof, new electrical panel, new HVAC) since your last report, getting a new inspection can update your documentation and potentially improve your insurability.
Do I need a 4-point inspection when buying a home in Florida?
If you’re purchasing a home that is 25+ years old, your homeowners insurance carrier will likely require a 4-point inspection before issuing a policy. It’s smart to schedule one before closing so you have a clear picture of the home’s systems — and so coverage isn’t delayed at closing.
Schedule Your 4-Point Inspection — We Come to You
Don’t wait for your insurer to send a non-renewal notice. Get ahead of it with a licensed inspection from a contractor who’s been protecting South Florida homes for over 20 years.
(954) 533-0707 Licensed & Insured · GC #CGC1514572 · Roofing #CCC1328895 Serving Broward and Palm Beach County
Schedule Your Inspection | Bundle With Wind Mitigation — One Visit
