4 Point Inspection.
4 point inspection: type your Florida address to see what the records show for your roof. Then pick a date and book the inspection. The lookup is free, with no signup.
Florida carriers ask for a 4-point inspection once a roof passes about 15 years, before they write or renew a policy. The roof is one of four systems on that report, and public records already describe it.
Book an inspection.
Pick a day that works. We send your request with the free roof report for the address, and a Florida roofer calls you to confirm the time.
- 01Type the address and choose a day.
- 02Leave a name and a phone number.
- 03Expect a call to confirm the visit.
What a 4 point inspection covers.
The inspection looks at four systems: roof, electrical, plumbing and HVAC.
The inspector sees each one at the house and writes up the report. Your carrier reads it before deciding to write or renew.
- Roof. Carriers weigh roof age first, ahead of condition and material.
- Electrical, plumbing and HVAC. Public records say little about these three. The inspector checks them in person.
- Roof with no permit. With no county re-roof permit on file, carriers usually date the roof to the year the house was built.
Your roof records before the visit.
Free with the address lookup, no signup.
Type your address before you book and read the roof record for the house.
Roof age
Dated from your latest re-roof permit, or estimated from the year built and county assessor data and labeled that way.
Permit status
Statewide, 58% of roof ages on record come from an actual re-roof permit. If yours shows as an estimate, find the permit paperwork before the visit.
Material and roof score
The roof material on record, with the roof score for the house.
Flood and wind
FEMA flood zone, evacuation zone and design wind speed, on the same report.
When a 4 point inspection is due.
Schedule the inspection before your renewal date if your roof is in its mid-teens or older, because the carrier will want the report in hand.
That clock runs on shingle. Tile and metal draw the same questions later, often once they reach their thirties.
Book the inspection from this page after you have read your roof record. Bring any re-roof permit or paperwork the record does not show.
Common questions.
This page lists no set price, since the partner inspector quotes it to you at booking. The address lookup and roof report cost nothing and need no signup. Run them first and you go into the booking knowing what the records already say about your roof's age, its material and whether a re-roof permit is on file.
No. The 4-point reports on the condition of the roof and three home systems, and carriers use it to decide whether to take or keep the policy. The wind mitigation inspection fills in a separate state form that scores seven wind-resistance features, and insurers use that form to apply credits to the premium you pay.
No. A carrier that asks for a 4-point needs an inspector's report from a visit to the house, and an online lookup cannot supply that. Use the roof report as your preparation, since it lays out the age, covering and permit history on record before anyone arrives, and it costs nothing to run for any Florida address.
No Florida law sets a maximum roof age, and each carrier decides its own limits. For a shingle roof past 15 years, the 2022 reforms generally stop an insurer from refusing coverage over age alone if an authorized inspection finds at least 5 more years of useful life. Book early enough to fix anything the inspector flags before your renewal.
A county re-roof permit dates the roof, and the roof report shows that date when a permit is on file. If the report shows an estimated age instead, look up the permit or gather the roofer's paperwork and bring it to the inspection. The inspector and the carrier can then work from the real re-roof date.