No Florida law requires a four point insurance inspection — however carriers do, usually on homes over 20 years old. Here’s exactly when you’ll be asked for one.
Who Needs a Four Point Insurance Inspection, and When?
No Florida statute requires a four point insurance inspection. It isn’t written into law the way the wind mitigation credits are under Florida Statute §627.0629. A 4-point is strictly an insurance-industry requirement — each carrier decides on its own whether and when to ask for one before issuing or renewing a policy. That said, I’d look hard at any company that doesn’t require a 4-point on a home over 20 years old when you’re shopping around or switching carriers. Nearly every reputable insurer asks for one, because they want to see the condition of the home they’re taking on. When a company in the business of counting every penny doesn’t bother to look, I’d want to know why.
Because so many carriers require it, most Florida homeowners run into a 4-point sooner or later. The age of the home is the most common trigger. Citizens Property Insurance requires a 4-point inspection on every application for a property more than 20 years old. Most private carriers land near that same line, though some set it at 25 or 30 years and a few ask for one on homes as young as 15. The overall direction of the industry has been to require it earlier, not later.
Age isn’t the only trigger. A four point inspection is also commonly required whenever you apply for a new policy — because you just bought a home, you’re moving to a different carrier, or your previous insurer dropped you. Some companies want an updated inspection at renewal too, particularly on older homes, to confirm the systems from the last report haven’t slipped. And one important difference to keep in mind: a wind mitigation inspection is good for five years, but a 4-point inspection is generally valid for only one.
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