What Is a Four Point Inspection and When Do Buyers Need One in Citrus County?

Understanding a Four Point Inspection

A four point inspection in Citrus County is a specialized home inspection that focuses on the four major systems insurance companies care about most. These include the roof, electrical system, plumbing, and HVAC. Because Florida insurers want to make sure a home is safe and insurable, they often require this inspection on older properties. Knowing when you need one helps you avoid delays and keeps your home insurance process running smoothly.

For more buyer tools and helpful guidance, you can visit my
<a href=”https://cindyburkhardt.com/buying-and-selling-tips”>Buyer Resources page</a>.

What the Four Point Inspection Covers

A four point inspection in Citrus County reviews the condition, age, and functionality of four key systems:

Roof
The inspector checks the roof’s age, material, and remaining life. Insurance companies want to know it can withstand Florida weather.

Electrical system
The inspection looks for outdated wiring, unsafe panels, or fire hazards. Many insurers will not cover homes with certain electrical brands or old components.

Plumbing
This includes checking the type of pipes, visible leaks, and overall condition. Older plumbing materials can increase the risk of water damage.

HVAC
Heating and cooling units are evaluated for age, safety, and performance. A properly functioning system reduces fire risk and improves safety.

Each system is reviewed separately, and the report helps insurers decide if the home qualifies for coverage.

When Buyers Need a Four Point Inspection

Homebuyers typically need a four point inspection in Citrus County when purchasing a home that is more than 20 to 30 years old. Insurance companies request this inspection to reduce risk and ensure the home meets safety standards. Even when it isn’t required, some buyers choose to get one for added peace of mind. It also helps you understand future repair needs and potential costs. With a clear report, you can plan for upgrades and negotiate repairs before closing.

If you’d like more information about insurance requirements and inspections, the
<a href=”https://www.consumerfinance.gov/”>Consumer Financial Protection Bureau</a> offers helpful homebuyer tools.