How To Look At A House
McGarry and Madsen's home inspection blog for buyers of
site-built, mobile/manufactured and modular homes
Is a four-point inspection mandatory in Florida for insurance?
Saturday, February 1, 2020
Not all homes, but most older homes will need a four point inspection by a licensed home inspector to get insurance in Florida. For example, one of the largest insurance companies in Florida, Citizens Insurance, requires a four-point inspection report for homes more than 30 years old. Here’s how it is stated at their website.
Other insurance companies have different standards. State Farm requires a four-point for just about any age house, and a few companies set their requirement past 30 years. But you should expect that a house that is 50 years or older will definitely need to pass a four-point inspection to get homeowner’s insurance.
Also, see our blog posts Why does my homeowner's insurance want a four point inspection? and How do I get my home ready for a four point inspection for insurance? and How do I get insurance if my home can't pass a 4-point inspection? and Is the 4-point insurance inspection strictly pass or fail?
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Here’s links to a collection of our other blog posts about INSURANCE:
• Why is a fuse box/panel an insurance problem for homebuyers?
• How is Citizens Property Insurance different from other Florida homeowners insurance companies?
• Do I need a home inspection to get insurance?
• Which building permit date is used for the Building Code section of the wind mitigation form?
• What are the different roof deck attachment discount categories for a wind mitigation inspection?
• What determines the year of a house?
• Should I give a copy of the home inspection report to the bank or insurance company?
• Can I do my own wind mitigation inspection?
• Will a house without air conditioning pass a 4 point inspection?
• What’s the difference between a gable and hip roof for my insurance?
• What is the wind mitigation inspection for homeowner's insurance?
• Which water pipes are an insurance problem and possibly uninsurable?
• Why does my homeowner's insurance want a roof inspection?
• Is it common for an insurance company to require an inspection?
Visit our HOME INSPECTION and INSURANCE pages for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.
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