FOUR-POINT INSPECTIONS
Insurance-Compliant
Four-Point Inspections
At Modern Building Inspections, we proudly serve South Florida and its surrounding regions with detailed, professional home inspections, covering areas such as Miami-Dade, Broward, Palm Beach, Martin, St. Lucie, Indian River, Monroe, and Collier counties.
Many insurance companies require a Four-Point Inspection before issuing or renewing a homeowner’s policy, especially for homes 25 years or older. Our licensed inspectors conduct fast, detailed, and insurance-compliant inspections, ensuring that your property meets your insurer’s requirements.
For a full list of our service areas, please visit the Service Coverage section below or on our Home Page
What is a Four-Point Inspection?
Unlike a full home inspection, a Four-Point Inspection focuses on the four major systems that most insurance companies assess before issuing a policy:
✔ Roof – Evaluates the age, condition, material, and structural integrity of the roof.
✔ Electrical System – Examines the breaker panel, wiring type, and potential fire hazards.
✔ Plumbing System – Assesses the supply lines, drainage, and water heater functionality.
✔ HVAC (Heating & Cooling) – Checks the age, condition, and performance of the air conditioning and heating system.
A Four-Point Inspection helps insurance providers determine risk factors, ensuring that the home’s critical systems are safe and in working order.
Why Do You Need a Four-Point Inspection?
🏡 Insurance Compliance – If you’re purchasing a home or renewing your insurance policy, most insurers require a Four-Point Inspection for properties over 25 years old.
📑 Identify Potential Issues – Detect and address deficiencies in major systems before they lead to costly repairs.
⚡ Faster Insurance Approval – Our reports are delivered same-day, helping homeowners avoid delays in policy issuance.
🔍 Accurate & Thorough Assessment – Our certified inspectors conduct a detailed review to ensure compliance with insurance standards.
What’s Included in a
Four-Point Inspection?
Our comprehensive Four-Point Inspection provides a detailed assessment of your home’s four major systems, ensuring they meet insurance carrier requirements. You’ll receive a same-day digital report with high-resolution photos and expert recommendations.
✅ Roof Inspection – Age, condition, material, leaks, and estimated lifespan.
✅ Electrical System – Breaker panels, wiring type (aluminum, copper, etc.), potential fire hazards.
✅ Plumbing System – Supply lines, drainage, visible leaks, water heater age and condition.
✅ HVAC System – Heating and cooling functionality, age, and potential system defects.
Supporting Real Estate Agents & Home Insurance Brokers
At Modern Building Inspections, we work closely with homeowners, real estate agents, and insurance brokers to provide fast and reliable Four-Point Inspections that help streamline insurance approvals and real estate transactions.
For Real Estate Agents
🏡 Help Your Clients Avoid Closing Delays – Many older homes require a Four-Point Inspection before securing homeowners insurance. Our fast service ensures your deals stay on track.
🚀 Same-Day Reports – Expedite negotiations with quick, easy-to-read inspection reports sent directly to your client.
🛠 Pre-Sale Inspections Available – Help sellers identify issues before listing, avoiding last-minute surprises.
💼 Professional & Reliable Service – Our inspectors arrive on time, every time, making the process hassle-free for your clients.
For Home Insurance Brokers
📑 Insurance-Approved Reports – Our Four-Point Inspections meet the strict standards of Florida insurance companies, helping homeowners secure coverage.
⚡ Quick Turnaround Time – Same-day inspections and electronic reports ensure faster underwriting approvals.
🔍 Comprehensive Documentation – High-resolution photos, expert assessments, and clear reports minimize follow-ups and insurance delays.
📩 Need a trusted inspection company? Contact us today to schedule a Four-Point Inspection and experience our professional, customer-focused service.
Why Choose Modern Building Inspections?
✔ State-Licensed & Insured – Certified professionals dedicated to accuracy and efficiency.
✔ Same-Day Reports – Receive a detailed digital report with photos and expert recommendations.
✔ Cutting-Edge Technology – Drones, thermal imaging, and advanced testing ensure no issue is overlooked.
✔ Fast Scheduling & Reliable Service – Available for same-day and weekend inspections.
✔ Trusted by Realtors, Homeowners & Insurance Agents – Backed by years of experience and 5-star service.
Service Coverage Area
Aventura
Bal Harbor
Bay Harbor Islands
Biscayne Park
Coral Gables
Cutler Bay
Doral
El Portal
Florida City
Golden Beach
Hialeah
Miami Gardens
Key Biscayne
Cooper City
Coral Springs
Dania Beach
Davie
Deerfield Beach
Fort Lauderdale
Hallandale Beach
Hillsboro Beach
Hollywood
South Miami
Hialeah Gardens
Homestead
Indian Creek Village
Lauderdale-by-the-Sea
Lauderdale Lakes
Lauderhill
Lazy Lake
Lighthouse Point
Margate
Miami Lakes
Miami
Miami Shores
Miramar
Medley
Miami Beach
Palmetto Bay
Pinecrest
North Lauderdale