The 4-point inspection form used throughout the Florida insurance industry is officially designated as Form Insp4pt 03 25, published and maintained by Citizens Property Insurance Corporation and last updated in March 2025. It is four pages long and covers exactly four systems: electrical, HVAC, plumbing, and roof. Every insurance carrier in the state either requires or accepts this form as part of their underwriting process for properties that meet their age threshold.
The form may look straightforward at first glance — checkboxes, a few blank fields, and some signature lines — but every section carries weight, and the details matter. A single checkbox in the wrong place can be the difference between your home being insured and your home being uninsurable until a costly repair is completed. The following pages break down the entire form, section by section, in plain language so you understand exactly what the inspector is documenting, what the insurance company is looking for, and what each finding means for you as a homeowner.
Page 1 — Header and General Requirements
Before the form gets into the four systems, Page 1 establishes the ground rules: who is qualified to perform the inspection, what photographs are required, and — critically — that the inspection must be obtained from a licensed Florida professional of your choice. This section also includes the underwriting advisory that defines the purpose and limitations of the inspection. We examine each of these requirements in detail, including a documented history of insurance companies disregarding the form’s own language about licensed inspectors and homeowner choice.
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Page 1 — Electrical System
The electrical section is often the most consequential part of the entire inspection. It documents the panel brand, type, and amperage, identifies the wiring types present throughout the home, and includes a detailed hazards checklist. This is where Federal Pacific and Challenger panels get flagged, where single-strand aluminum wiring triggers remediation requirements, and where common issues like double-tapped breakers are documented. We walk through every field on the form — from the panel information to the approved remediation methods for aluminum wiring to the supplemental information the underwriter uses to assess your electrical system.
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Page 2 — HVAC System
The HVAC section evaluates your heating and cooling system — central air conditioning, central heat, the condition of the equipment, and any hazards related to how the home is heated. In Southwest Florida, where most homeowners have never turned on their heat, the central heat question catches many people off guard. This section also covers condensate line and drain pan issues, which are among the most common sources of water damage claims in Florida homes. We explain what each question on the form is asking and why it matters to the underwriter.
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Page 2 — Plumbing System
The plumbing section covers more ground than most homeowners expect. It starts with the water heater — including the frequently missed TPR discharge pipe — then moves through active and prior leaks, a fixture-by-fixture condition assessment, and a detailed inventory of the piping materials throughout the home. This is the section where polybutylene piping gets identified, where galvanized supply lines raise concerns, and where that slow leak under the bathroom sink you have been ignoring finally makes it into an official document. We break down every part of the form, including what each pipe material means for your insurability.
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Page 3 — Roof
The roof section generates more anxiety — and more Unsatisfactory findings — than any other part of the 4-point inspection. The inspector documents the covering material, age, remaining useful life, and permit history for both the predominant and secondary roof areas, then evaluates the overall condition using a detailed damage and deterioration checklist. We explain what each type of damage means in plain language — from cupping and curling to soft spots in decking — and how Florida’s SB 2-D legislation intersects with the insurance industry’s approach to roof age.
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Pages 3 & 4 — Additional Comments, Observations, and Inspector Requirements
The final sections of the form cover the inspector’s comments area, the certification and signature block, and Page 4’s documentation requirements and inspector qualifications. This is where the inspector explains any Unsatisfactory findings, documents updates and repairs, and certifies under their license that everything in the report is true and correct. We also cover the inspector’s professional obligation to note hazards observed outside the scope of the four systems, and why Page 4’s Inspector Requirements section — which restates the licensing requirement yet again — reinforces the importance of choosing a qualified, licensed professional.
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