If your carrier has asked for a 4-point inspection, they are not asking for an opinion about the whole house. They are asking about four systems, and only four, because those are the systems that generate the claims they care about.
Roof
The report records covering type, the approximate age and remaining life, and any visible damage or active leaking. In Florida, remaining roof life is often the single item that decides whether a policy is written at all, so this section gets read first.
Electrical
Service size, panel manufacturer, breaker condition, and wiring type. Older homes in Volusia County sometimes still have panels or wiring methods that carriers will not insure without replacement. Finding that out before renewal season is far better than finding out during it.
Plumbing
Supply and drain material, water heater age, and any evidence of active leaks or past repairs. Polybutylene supply lines and a water heater well past its service life are two of the most common flags.
HVAC
Age, type, and whether the system is operating within a normal temperature split, plus condensate handling. In a climate like ours, a struggling air handler is a moisture problem waiting to become a mold problem.
What to do with the report
Send it to your agent as soon as you have it. If something is flagged, ask what the carrier would accept as a remedy before you spend money. Many findings are cheaper to correct than to insure around.
Related reading: wind mitigation credits, explained for Orange City. Or see the full list of inspection services.
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