Florida Inspectors — A Faster, Smarter Way to File Your 4-Point
Roof. Electrical. Plumbing. HVAC. The exact 4-Point Inspection your carriers ask for, built right into InspectorData. Fill it out on your phone at the house. Take photos that stay organized by system. Finalize a carrier-ready PDF before you've left the driveway.
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Written by Lisa Meine, InterNACHI Certified Master Inspector · 11+ years in the field · Last updated May 3, 2026
Built by an InterNACHI Certified Master Inspector. 11+ years in the field.
OIR-B1-1802 4-Point format — auto-updated when the governing body publishes a revision.
PDFs designed to satisfy Citizens, Heritage, Tower Hill, Universal, Florida Peninsula, FedNat, Frontline, ASI.
Built to carrier underwriting standards.
See the 4-Point Workflow in 60 Seconds
From phone in the field to carrier-ready PDF — same form, smarter every step.
Filmed inside the InspectorData TREC module. Same workflow applies across all forms.
Quick Answers — Florida 4-Point in 60 Seconds
What is a 4-Point Inspection?
A focused look at four systems — Roof, Electrical, Plumbing, HVAC — required by Florida insurance carriers on most homes 25+ years old before they'll bind a policy.
How long does it take?
12-20 minutes on site with InspectorData. The form fills on your phone, photos label themselves by system, and the PDF emails to the carrier with one click.
What's the typical cost?
Florida inspectors typically charge $75-$150 for a standalone 4-Point. The InspectorData form is included in every plan — no per-report fee.
Which carriers accept it?
All major Florida carriers — Citizens, Heritage, Tower Hill, Universal, Florida Peninsula, FedNat, and most surplus-lines insurers. Form follows the OIR-B1-1802 layout.
The Four Systems — and What Carriers Want to See
A 4-Point covers exactly what its name says: four systems. Each one has its own age, material, condition, and required photos. InspectorData walks you through every system in order so nothing slips through.
Roof
Roof type, age, condition, remaining useful life. Photos: overall view, flashings, any damage. Carriers care most about whether you'd insure it for another 5 years.
Electrical
Service amps, panel brand and condition, branch wiring type. Photos: panel exterior with cover, panel interior with cover off. Carriers screen for federal Pacific, Zinsco, aluminum branch wiring.
Plumbing
Supply piping material, drain piping material, water heater age and capacity, signs of leaks. Photos: water heater, supply lines visible. Carriers screen for polybutylene and old galvanized.
HVAC
System type, age, tonnage, refrigerant, condition. Photos: condenser, air handler, data plates. Carriers want to know the system is operational and not at end-of-life.
Why Florida Inspectors Are Switching
A faster way to file the same 4-Point — built for the way Florida inspectors actually work.
Fill it out on your phone
Pull up the 4-Point form on your phone or tablet at the house. Or just take notes and photos there, type them up later — at the truck, at home, or back at the office. Your call.
Talk through your findings
Tap the mic and just talk. Your words turn into text, and the system drops them into the right system — Roof, Electrical, Plumbing, or HVAC. Works in Chrome, Edge, and Safari.
Photos stay with the right system
Snap a roof shot — it's already labeled "roof." Same for the panel, the water heater, the condenser. No more digging through hundreds of photos at 9 at night before you submit.
Phone and computer stay in sync
Snap photos and take notes on your phone in the field. Sit down at your computer back at the office and everything's already there. No uploading, no copying — it just shows up.
Won't let you skip a required photo
The Finalize button stays grayed out until every required photo is uploaded — panel, water heater, condenser, roof. You'll never deliver a 4-Point and get a "missing photo" callback from the carrier.
One-click delivery
Hit Finalize and the PDF goes straight to the carrier, the agent, and the homeowner — branded with your logo. Or copy a private share link for clients who don't want email attachments.
A Running Count of Where You Are
Right at the top of every 4-Point, you'll see a number like 0 of 18 items completed. As you fill in each system, the number ticks up — 9 of 18, 14 of 18. You always know how close you are to done.
Click any warning and the form jumps right to it
The form scrolls to the missing field and flashes it for a second so you can spot it. No more hunting through four systems wondering which spec you forgot. The Finalize button stays grayed out until the warning list is empty.
Why this matters in Florida: Most rejected 4-Points come back because of a missing photo or a missing age. The running count + warning list make those slips almost impossible. You'll never deliver a 4-Point and get a "we can't bind without the panel photo" reply.
Frequently Asked Questions
Real questions Florida inspectors ask before they switch.
What is a Florida 4-Point Inspection?
A focused look at four systems in a home: Roof, Electrical, Plumbing, and HVAC. Florida insurance carriers usually require it on homes 25+ years old before they will bind a policy. The most common form is the Citizens / OIR-B1-1802 4-Point.
How long does a 4-point take in InspectorData?
Inspectors who switch report finishing the on-site work in 12 to 20 minutes. The form is filled directly on a phone or tablet, photos drop into the right system, and the PDF is generated and emailed to the carrier with one click.
Does it support different carrier variations?
Yes. The base form covers what every carrier needs. For carriers that want extras — like an electrical panel close-up, water heater capacity, or HVAC tonnage — those fields are right there. The compliance gate enforces required photos so you never deliver a 4-Point with a missing picture.
Are photos required?
Yes. Most Florida carriers require photos of each of the four systems — typically the roof, the electrical panel, the water heater, and the HVAC unit. The compliance gate keeps Finalize disabled until each required photo is uploaded.
Can I finish a 4-Point on my phone?
Yes — start to finish on a phone or tablet, no laptop needed. Or take quick notes and photos on site, then sit down at your computer and finish the writeup. Whatever you do on the phone shows up on the desktop instantly.
Does it work for Wind Mitigation too?
A separate Wind Mitigation module is on the roadmap. For now, the 4-Point covers Roof / Electrical / Plumbing / HVAC. Many Florida carriers also accept a 4-Point standalone without a Wind Mit, especially on inland properties.
Built by an Inspector. Trusted by Inspectors.
InspectorData is built by Lisa Meine, an InterNACHI Certified Master Inspector with 11+ years in the field — not a generic forms platform retrofit. The 4-Point module reflects what carriers actually want, what inspectors actually need, and the gaps in every other tool we've used.
Florida home age that typically triggers a 4-Point requirement (varies by carrier — some require it sooner)
Average on-site time for a 4-Point in InspectorData (based on inspector self-reports, varies by property)
Systems documented per inspection: Roof, Electrical, Plumbing, HVAC (per OIR-B1-1802)
Per-report cost in InspectorData (unlimited 4-Points in every plan)
How It Compares
An honest, sourced look at how InspectorData stacks up against the tools Florida inspectors are using today.
Comparison reflects publicly listed features as of May 2026. Specifications change — verify current details on each vendor's site before deciding.
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See roof features →Try It Free for 90 Days
Every form is in every plan. No credit card to start. Real software, real support.
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