4 Point Inspection Cost.
4 point inspection cost: see what Florida inspectors charge in 2026, and what the records show for your roof before you book. Type your address. Free, no signup.
The partner inspector prices a 4-point inspection and gives you the figure when you book. Before that conversation, the free roof report lays out the roof age, material and permit status the inspector is going to write up.
What a 4 point inspection fee buys.
You pay for one visit and one report covering four systems in the house: roof, electrical, plumbing and HVAC.
Your carrier reads that report before it decides to write or renew. Wind credits are a separate matter, handled on the OIR-B1-1802 form.
- Roof. Age is the line a Florida carrier reads first on the roof, and yours already sits in the public record.
- The other three systems. The roof report does not cover electrical, plumbing or HVAC. The inspector checks those on site.
How to get a 4 point price.
The inspector sets the number. Three steps get you to it with the roof side already settled.
- 01
Run the address lookup
Type your Florida address and open the roof report. It is free, with no signup.
- 02
Gather the roof paperwork
Re-roofed but showing an estimated age? Dig out the permit or the contractor's invoice before the visit.
- 03
Book and hear the price
Use the button on this page. Your partner inspector quotes the fee once the request is in.
When the 4 point inspection comes due.
Recorded roof age drives the request.
Carriers order this inspection on a clock, and the clock runs on the age in the record.
Roof past about 15 years
Past that mark, most carriers in the state want a 4-point before a new policy or a renewal.
Shingle in the mid-teens
Shingle roofs start drawing carrier scrutiny here. Private-market options get thin near 20 years.
Tile or metal in their thirties
These follow the shingle pattern on a longer clock.
No replacement permit on file
A roof without one is usually dated to the year the house went up, which can bring the request early.
Common questions.
GetRoofReport does not publish a 4-point price. The partner inspector quotes it and confirms it with you during booking. Checking your roof record first is free, and it tells you whether the roof has reached the age where carriers start asking for the inspection at all.
The 4-point is the report carriers use to decide whether to write or renew your policy. Premium credits come from a different document, the wind mitigation form OIR-B1-1802, which a qualified inspector completes. Homes built to the Florida Building Code's 2002 edition, or a later one, usually qualify.
Carriers key the request to the roof age on record, and most in Florida ask once that age passes about 15 years. If no replacement permit exists, a newer roof can read on paper as old as the house itself. The roof report shows which of those two cases you are in.
It can. The 2022 reforms (SB 2-D) generally bar an insurer from refusing to write or renew a homeowners policy on shingle age past 15 years by itself, as long as an authorized inspection shows the roof has 5 years of useful life or more ahead of it.
No. The roof report is a public-records check of the roof alone, and a carrier asking for a 4-point needs an inspector's write-up on all four systems. Use the report to see your age, permit status and material before the inspector arrives, and to spot an estimated age you can correct with paperwork.
Age leads. Florida carriers weigh it first, then condition and material. The roof report gives that age with its source next to it, either a dated permit or an estimate drawn from assessor data and the year of construction, and 58% of the ages on record statewide come from a permit.