4-Point Inspection Software for Florida & Coastal Inspectors

What a 4-point inspection covers

A 4-point inspection is required by most Florida homeowners insurance carriers — Citizens, State Farm, Allstate, Tower Hill, Heritage, Universal — for homes 25 years or older. It's a focused look at the four systems most likely to cause an insurance claim:

• Roof — age, material, condition, life expectancy, visible damage
• Electrical — panel brand and age, wiring type, GFCI/AFCI presence, hazard signs (Federal Pacific, Zinsco, Stab-Lok, aluminum branch wiring)
• Plumbing — supply line material (copper, CPVC, PEX, polybutylene), drain line material (cast iron, PVC, ABS), water heater age, leaks
• HVAC — system age, type, condition, maintenance evidence

The report goes on the standard Florida OIR-B1-1802 form. Carriers reject incomplete or sloppy reports — and a rejected report means the homeowner's policy doesn't bind. That's why every field on the form matters and why generic 'home inspection software' that treats a 4-point as a stripped-down full inspection produces reports that come back marked 'incomplete.'

How InspectorData speeds up 4-point reports

Walk the property with the InspectorData mobile app. Photograph each of the four systems — roof shingles, electrical panel, water heater, condenser. The AI auto-categorizes every photo into the correct OIR-B1-1802 section. Voice-dictate observations on-site instead of typing on a phone keyboard.

When you're done walking the property, hit Generate. The AI fills in the form fields, suggests comments from the 8,000+ pre-written library based on what it sees, flags defects with carrier-appropriate language, and produces a clean PDF. The whole walk-and-write loop runs about 12 minutes for a typical 1,500 sq ft single-family home.

What the AI knows that generic software doesn't

• The difference between a Federal Pacific panel (deal-breaker for many carriers) and a modern Square D panel
• That clay tile roofs typically last 50+ years while 3-tab shingles need re-roof at 20
• That polybutylene supply lines fail and carriers won't insure homes with them present
• That double-tapped breakers are an immediate flag
• That a 25-year-old air handler with no maintenance evidence is a different report than a serviced 25-year-old unit

This isn't AI generality — it's domain knowledge baked in by an inspector who runs these reports.

Voice-to-text on-site

No typing on a phone keyboard at the panel box. Speak your observations as you walk — the AI cleans up the grammar and puts each comment in the right section. The mobile app works offline because Florida properties don't always have wifi.

Insurance carrier templates

OIR-B1-1802 stays current. We update within 48 hours of any state revision. Carrier-specific layout preferences (Citizens vs. State Farm vs. Tower Hill) are configurable per template.

Why Florida inspectors switch from generic software

Most home inspection platforms treat the 4-point as a stripped-down full inspection. That misses the point — a 4-point is its own product, with its own form, its own carrier rules, and its own pricing.

The inspectors who switch to InspectorData usually fall into one of two camps:

Camp 1 — solo inspectors running 4-points as a side product. Typical pain: they use Spectora or HomeGauge for full inspections and a separate kludgy form for 4-points. Two systems, two photo libraries, two ways to manage clients. InspectorData replaces both.

Camp 2 — inspectors who specialize in 4-points and wind mits. Typical pain: they need form accuracy, carrier-specific phrasing, and turnaround speed because their volume depends on it. Generic tools force them to write every report from scratch every time. InspectorData's comment library knows what insurers want and the AI learns each inspector's voice over time.

In both cases the switch usually pays for itself in the first 3-4 reports.

Try it free

90-day free trial. No credit card required. Run real inspections through the platform, get carrier and client feedback, decide based on actual use.

See pricing for full details. For a live walkthrough see demo.