Hernando Beach 4-Point Home Inspections
If you own an older home in Hernando Beach — or you're buying one — there's a good chance your insurance company is going to ask for a 4-point inspection. It’s a standard part of the insurance process here in Florida, especially for homes that are 20 years or older.
This inspection focuses on four key areas of the home that insurers care about most: the roof, electrical system, plumbing, and HVAC. The goal? To confirm the major systems are in good working order and not likely to cause expensive claims down the road.
What Is a 4-Point Inspection?
A 4-point inspection is a focused evaluation of your home’s core systems — not a full home inspection. It’s shorter, more specific, and designed to help insurance companies understand the condition of:
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Roof – What’s the age, material, and overall condition? Any signs of leaks or damage?
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Electrical – Are there hazards like aluminum wiring, cloth wiring, or outdated panels?
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Plumbing – What type of pipes are in use, and are there any visible leaks or corrosion?
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HVAC – Is the heating and cooling system operational and in safe condition?
This inspection is often required before you can secure or renew homeowners insurance — especially with coastal properties in Hernando Beach.
Why Insurance Companies Require It
Insurance carriers want to avoid major risk — and older homes can come with hidden issues. A 4-point inspection helps them make sure:
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The roof isn't at risk of leaking or collapse
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The electrical system isn’t a fire hazard
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Plumbing won’t fail and cause water damage
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The HVAC system is safe and functional
If something doesn’t meet insurance standards, your provider may ask for repairs before issuing or renewing your policy.
Is This the Same as a Full Home Inspection?
Nope — a 4-point inspection is not a full home inspection. It doesn’t cover things like appliances, windows, foundation, or cosmetic issues. It’s strictly about the four main systems that insurance companies care most about.
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However, if you’re buying a home in Hernando Beach, doing both inspections is a smart move: the 4-point keeps your insurance on track, and a full home inspection gives you the big picture before closing.
When You’ll Need a 4-Point Inspection
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You’ll likely need a 4-point inspection if:
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Your home is over 20 years old
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You’re switching insurance carriers
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You’re renewing and your current carrier is requesting updated records
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You’re buying a home and your insurer requires it before writing a policy
What Happens After the Inspection?
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After the inspection, we provide a clear, insurance-ready report outlining the condition of each of the four systems. If everything checks out, great! If there are issues, we’ll explain what needs to be addressed to bring your home up to insurance standards.
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We know what Florida carriers are looking for, so our reports are written to meet their requirements — no extra fluff, just what they need.
Schedule Your Hernando Beach 4-Point Inspection Today
Don’t let paperwork delays or last-minute surprises slow down your insurance or real estate deal. Schedule your 4-point inspection with a local pro who knows the Hernando Beach area and what insurers are looking for.
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Call or book online today — we make the process quick, clear, and compliant.
About Your Home Inspector
As a U.S. Navy veteran with over 20 years of technical experience, I bring a precision-driven, detail-oriented approach to every inspection. My family relocated to Spring Hill from New England, and I’m proud to be a Springstead High School graduate — this community is home.
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At Pointwise Inspection Services LLC, I specialize in Wind Mitigation, 4-Point Inspections, and Roof Certifications, with a focus on helping homeowners navigate Florida’s unique insurance challenges. I follow Florida’s Residential Standards of Practice and take pride in delivering inspections that are both accurate and easy to understand.
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My mission is to equip you with clear, actionable information so you can feel confident in your home’s safety, integrity, and insurability.