Fast, accurate and affordable 4 Point Home Inspections

Serving Stuart, Port St. Lucie, West Palm Beach and surrounding areas

If you own an older home and due for renewal on your Florida homeowners insurance, or you’re purchasing an older home, chances are you will be asked to submit a four point inspection as part of the underwriting process. This practice is common in Florida and other coastal states. Four point inspections identify key areas of the home that most commonly result in insurance claims. If a home fails all or part of the inspection, the inspector will go over what needs to be fixed or replaced to alleviate deficiencies. From $249


HVAC (Heating, Ventilation, and Air Conditioning)

The HVAC system can be considered one of the most integral systems in your home, as it regulates the climate control within your home. Improperly installed or outdated HVAC systems elevate the risk of poor air quality and dust accumulation, potentially leading to unwanted health complications if left unchecked. During the inspection, the inspector will determine the following:

Is the System Fully Functional?

In order to pass, a homeowner must have an appropriately sized, fully functioning heating and cooling unit installed in their home. It’s important to note that fireplaces, oil furnaces and window AC units are not considered primary heating and cooling units for a home due to safety concerns and energy inefficiency.

Condition and Age of the HVAC System

The condition and age of the HVAC unit is reviewed during the inspection. The inspector will determine how well-maintained the system is and the life expectancy of the unit.

Electrical System

Electrical System

The inspector documents the type and condition of the home’s electrical wiring and panels and outlets, noting repairs needed. Faulty or outdated wiring causes nearly 90 percent of residential fires, so this is something insurance companies take very seriously.

Electrical System
Plumbing System

Plumbing System

The inspector will document the age and type of both the water system and water heater and examine the type of pipes in your home to determine how likely they are to burst and make note of any leaks. Common plumbing issues discovered during four-point inspections include old and outdated water heaters, improper traps and water leaks.

Roofing Inspection


The inspector will look at the roof age, material, and condition. Generally, insurance companies do not insure shingle roofs more than 20 years old or tile or metal roofs more than 40 years old. However, if your roof is younger but has apparent damage outside or water leaks, it could be cause to deny coverage.


Existing homes, new homes or homes for sale, we have you covered with expert, reliable residential inspection services, including insurance underwriting inspections, four point home inspections, wind mitigation inspections, new roof inspections mobile and manufactured home inspections, thermal imaging inspections, indoor air quality testing, accurate roof measurements and roof installation quality control, serving home owners, buyers, sellers, home builders, contractors and real estate agents throughout the Treasure Coast and Palm Beaches, including Martin County, St. Lucie County and Palm Beach County and the cities of Stuart, Hobe Sound, Palm City, Jensen Beach, Indiantown, Port St. Lucie, Tradition, PGA Village, St. Lucie West, Fort Pierce, Lakewood Park, Jupiter, Tequesta, Palm Beach Gardens, Lake Park, Riviera Beach, West Palm Beach, Lake Worth, Boynton Beach, Delray Beach, Boca Raton.

We are the home inspectors you can count on: Speedy Home and Roof Inspections

Inspections are performed by licensed and insured independent home inspectors