For homeowners in Tampa, a 4 point inspection isn’t just another step in the homeownership process — it’s often a requirement for obtaining or renewing a home insurance policy. At By Builder Home Inspection, inspections are built on transparency, speed, and expertise. This article breaks down what a 4 point inspection entails, how it applies in Tampa, and how the service delivers direct value to property owners throughout Hillsborough County and surrounding areas.
What a 4 Point Inspection Includes
A 4 point inspection evaluates four key systems of a residential property. Insurance carriers often require this inspection for homes over 20 years old. The results help insurers determine the home’s condition and potential liability.
1. Roof System
Inspections document roof type, age, material, life expectancy, and condition. Any signs of leaks, sagging, or soft spots are identified. The roofing system plays a major role in insurance underwriting because a damaged or aging roof significantly increases risk.
2. Electrical System
The electrical panel is reviewed along with wiring type (e.g., aluminum, copper, knob-and-tube), condition, and grounding. Safety hazards like double tapping, outdated fuse boxes, and recalled panel brands such as Zinsco or Federal Pacific are flagged.
3. Plumbing System
Evaluations include pipe material (such as polybutylene, copper, PEX), visible leaks, water heater age, and functionality. Galvanized or polybutylene pipes often lead to higher premiums or denial of coverage due to failure risk.
4. HVAC (Heating, Ventilation, and Air Conditioning)
Technicians verify cooling and heating system type, condition, and age. Systems older than 20 years or units with corrosion or inefficiency often create insurance red flags.
Why 4 Point Inspections Are Required in Tampa
Florida’s insurance market has unique demands due to its climate risks and housing stock. Tampa, in particular, includes many homes built between the 1950s and 1990s. For insurers, older homes mean higher risk — especially if systems haven’t been updated.
State legislation and underwriting guidelines from carriers operating in Florida frequently mandate a 4 point inspection for:
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Homes over 20 years old
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Policy renewals involving new underwriters
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Properties switching insurance carriers
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Real estate transactions involving conventional or FHA loans
Carriers use the report to confirm whether the home meets minimum eligibility requirements. Without this document, many residents in Tampa cannot bind or renew their insurance policy.
Inspection vs. Full Home Inspection
A 4 point inspection is not the same as a full home inspection. It’s limited to the four core systems and doesn’t include:
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Foundation or structure
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Insulation or ventilation details
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Interior or cosmetic issues
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Appliances, windows, or doors
Whereas a full inspection might serve a buyer’s due diligence during a purchase, the 4 point inspection is tailored for insurance qualification only.
Who Benefits from a 4 Point Inspection?
Homeowners
Residents looking to secure or maintain property insurance often need this report. Inspections also help identify hidden problems before they cause larger issues or result in coverage denial.
Real Estate Investors
Purchasing rental homes or flips in Tampa? A 4 point inspection ensures no insurance delays post-closing.
Insurance Brokers
Agents use the reports to advise clients accurately and avoid underwriting surprises.
The By Builder Home Inspection Process
Inspections are handled by licensed professionals with experience in Florida-specific insurance criteria. Services include:
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Same-day appointments in many areas of Hillsborough County
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Reports delivered in PDF format within 24 hours
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Digital photos included in every section
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Documentation suitable for Citizens, Tower Hill, Universal, and other Florida carriers
Inspectors assess based on current condition, not code compliance — aligning with what insurance carriers expect.
How Much Does a 4 Point Inspection Cost in Tampa?
Pricing varies based on square footage, home age, and whether additional inspections (like wind mitigation) are bundled. By Builder Home Inspection offers competitive pricing for both single inspections and bundled services.
Cost Breakdown by Home Age
| Home Age | Estimated Cost (4 Point Only) | Bundled with Wind Mitigation | Report Delivery Time |
|---|---|---|---|
| 0–19 Years | Not required | N/A | N/A |
| 20–39 Years | $125–$145 | $199–$225 | 24 hours |
| 40–59 Years | $145–$165 | $215–$235 | 24 hours |
| 60+ Years | $165–$185 | $225–$250 | 24 hours |
Pricing reflects inspections across Tampa, Riverview, Brandon, and nearby areas.
For full cost breakdowns or to request a custom quote, visit the inspection pricing page.
How to Schedule an Inspection
Scheduling is simple — appointments can be requested online or by phone. Coverage includes all of Tampa Bay, including Hillsborough, Pasco, and Pinellas Counties.
To request a quote or book directly, use the contact form.
Preparing the Home for Inspection
To speed up the process and ensure a complete report, homeowners should:
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Unlock electrical panels and HVAC access areas
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Ensure attic hatches and crawlspaces are accessible
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Clear debris from around the water heater
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Provide documentation of any recent repairs or upgrades
No repairs need to be made before inspection. The technician will document current conditions only.
FAQs About 4 Point Inspections in Tampa
What happens if the inspection finds problems?
Insurers may request repairs before issuing or renewing coverage. The report does not include repair estimates.
Is this inspection required by law?
It’s not a legal requirement, but most insurers demand it for homes over 20 years old in Florida.
Can a home fail a 4 point inspection?
Not in a traditional sense. However, the findings can lead to denied coverage or policy non-renewal.
How long does the inspection take?
Most inspections are completed in 30 to 60 minutes, depending on property access and layout.
Do I get a copy of the report?
Yes, reports are sent digitally within 24 hours and include supporting photos.
For expert 4 point inspections in Tampa, schedule an appointment now. Every report from By Builder Home Inspection is prepared to meet insurer documentation standards and turnaround timelines.
