What You Need to Know about a 4-Point Inspection in Florida
If you’re buying an older home in Florida or shopping for homeowners insurance, you’ll likely need a
4-point inspection. Here’s what you should know and what it covers.
The inspection focuses on four key areas:
- Roof: age, condition, and expected lifespan
- Electrical System: Panel Type, wiring, and any safety concerns
- Plumbing: Pipe materials, leaks, and water heater condition
- HVAC
Why Is It Required?
Insurance companies use this report to assess risk before issuing or renewing policies on older homes (typically 20+ years old).
Market Price vs RCE
The Market Price of a home reflects its value in the real estate market, which is based on location, land, and buyer demand.
Replacement Cost Estimate (RCE) is used by insurance companies to calculate how much it would cost to rebuild your home with similar materials and labor.
Commonly Restricted Dog Breeds in Florida
While each insurer’s list may vary, the following breeds are frequently excluded from home insurance coverage:
Pit Bull-Type Breeds
- American Pit Bull Terrier, American Staffordshire Terrier, Staffordshire Bull Terrier
- American Bulldog
- Tottweiler
- Boberman Pinscher
- Chow Chow
- Akita
- Wolf Hybrids
- Boxer
Mastiff Breeds
- Bullmastiff, Neapolitan Mastiff, American Bandogge Mastiff
- German Shepherd
- Alaskan Malamute
- Siberian Husky
- Presa Canario
- Cane Corso
- Great Dane
