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If you own an older home in Florida, an insurer may ask for a four-point inspection before offering coverage. Knowing what it involves helps you avoid surprises when you shop.
As the name suggests, it examines four key systems: the roof, the electrical system, the plumbing, and the heating and cooling. Insurers use it to gauge the condition and remaining life of the parts of a home most likely to cause a claim.
The results can affect whether a carrier will cover the home, at what price, and on what terms. Homes with updated systems tend to have more and better options, while aging systems can limit choices.
If your home is older, having a recent inspection ready can smooth the shopping process. Learn how home features affect coverage and see options through a quote, or read about roof age and eligibility.
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