Photograph the water heater, panel, and roof — InspectorData's AI routes every photo to the right section of the current Citizens 4-Point form, dictates your notes, and blocks you from finalizing until every carrier-required photo is captured.
A 4-Point inspection is a snapshot of the four systems most likely to generate an insurance claim. The Florida standard is Citizens Property Insurance's form, coded Insp4pt 03 25, and it is accepted or required by most carriers writing older Florida homes. Here is what each point records.
Service panel and branch wiring condition and age.
Heating and cooling equipment type, age, and condition.
Supply piping, drains, and the water heater.
Covering type, age, and remaining useful life.
InspectorData ships the current Insp4pt 03 25 layout and keeps it updated so you never turn in a form a carrier rejects.
The Insp4pt 03 25 revision tightened documentation requirements. If your software still uses an older layout, carriers are increasingly kicking those reports back. Three changes matter most.
The temperature-and-pressure-relief valve and its discharge line now require a dedicated photo. A missing TPR photo is one of the most common reasons a 4-Point gets returned. InspectorData's compliance gate flags the missing photo before you can finalize.
Where single-strand aluminum branch wiring is present, any remediation (such as approved connectors) must be certified by a Florida-licensed electrician. The form captures that certification, and the app prompts you to attach it rather than leave the field blank.
The updated plumbing section adds explicit fields for PEX installation year and overall piping age, so carriers can judge remaining life. Voice dictation lets you speak the year on-site and move on.
Source for the current form: Citizens Property Insurance (form code Insp4pt 03 25). Carrier requirements are governed in part by §627.711(2), Fla. Stat. and Rule 69O-170.0155, F.A.C.
You inspect the way you already do — walk the systems, shoot photos, talk through defects. The AI handles the paperwork and won't let a carrier-required item slip.
Snap the panel, water heater, HVAC data plate, and roof from your phone. No pre-labeling required.
Photo-to-section AI reads each image and files it under Electrical, HVAC, Plumbing, or Roof — the TPR photo lands in the water-heater block automatically.
Speak ages, materials, and defects. Voice dictation drops them into the correct Insp4pt fields, including PEX year and piping age.
You can't finalize until every required photo and certification is present — no more rejected reports for a missing TPR shot.
A 4-Point is a risk-underwriting tool. Insurers use it to decide whether to bind or renew a policy on a home whose major systems may be near end of life. It is most commonly required in these situations:
Most carriers require a 4-Point on homes 30+ years old (some at 25 or 40) before writing a new policy.
Renewals on aging homes frequently trigger a fresh 4-Point so the carrier can re-confirm system condition.
A clean 4-Point can be the difference between a bindable policy and a decline — and it directly affects premium.
Pair the 4-Point with wind mitigation for a complete Florida insurance package. See our wind mitigation inspection software and the broader Florida home inspection software overview. Need the roof documented on its own? Use roof inspection report software.
InspectorData is $79.99/month flat with a 90-day free trial. AI is built in, not an upsell. Compared with typical inspection platforms, there is no per-inspector fee, no per-report charge, no client credit-card surcharge, and no third-party ads injected into your client portal — just Florida-form specialization that keeps you compliant.
A 4-Point inspection documents the four major systems of a home for property insurance: Electrical, HVAC, Plumbing and Roof. Citizens Property Insurance publishes the standard form under the code Insp4pt 03 25, and most Florida carriers accept or require this format when writing or renewing policies on older homes.
The March 2025 Citizens update (Insp4pt 03 25) added a mandatory TPR-valve photo on water heaters, required that single-strand aluminum branch wiring remediation be certified by a Florida-licensed electrician, and added new fields for PEX install year and overall piping age.
Yes. InspectorData uses AI to route each photo to the correct form section, supports voice dictation for narrative fields, and runs a compliance gate that will not let you finalize the report until the carrier-required photos and documentation, such as the TPR-valve photo, are present.
Carriers use the 4-Point to gauge the risk of an older home before binding or renewing coverage. It is most commonly required on homes 30 or more years old and confirms the age and condition of the systems most likely to cause a claim: the roof, plumbing, electrical and HVAC.
A Florida-licensed home inspector can complete and sign the 4-Point form. Carriers may also accept reports from licensed general, building or residential contractors, architects or engineers, but single-strand aluminum wiring remediation must specifically be certified by a licensed electrician.
InspectorData is a flat $79.99 per month for the all-in-one platform with AI included, and it comes with a 90-day free trial. There are no per-inspector fees, no per-report charges, and no client credit-card surcharge.
Start free for 90 days. AI form-fill, photo organization, and the carrier compliance gate are all included at one flat rate.