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Four Point Insurance Inspections


Update from Citizens Insurance Effective 9/1/2012:  Citizens Insurance requirements for ALL new policy issues effective 9/1/2012 (these requirements will go into effect for renewing policies on 10/1/2012): 


A Four Point Insurance Inspection MUST be submitted with all applications for homes more than 30 years old. (Previously this requirement was for homes more than 50 years old.) 

The Four Point Insurance Inspection consists of a visual survey of the following four primary components:


  1. Roof

  2. Electrical

  3. HVAC Sytem

  4. Plumbing


The insurance companies are expecting the condition of the components listed above to be
working as 
intended within the manufacturer’s specifications.


The criteria used to judge the components include:


  1. Current Operating Conditions

  2. Scheduled Maintenance Requirements

  3. Expected Service Life





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