4-Point Insurance Inspections in Spring Hill & Hernando County
If your insurance company just asked you for a “4-point,” you’re in the right place. It’s one of the most common calls we get from homeowners in Spring Hill, Brooksville, and across Hernando County — usually right after an insurer says they won’t write or renew a policy without one. The good news: it’s a quick, straightforward inspection, and Jay does them every week.
- ✓ FL Licensed #HI8193
- ✓ InterNACHI Certified
- ✓ Same-Day Reports
- ✓ Inspecting Since 2013
Getting a full home inspection? Your 4-point is FREE.
Wind mitigation too. Other inspectors charge extra for the insurance forms — Jay includes both with every complete home inspection.
What a 4-point inspection covers
A 4-point looks at the four systems insurance companies care about most:
Roof
Age, material, condition, and how many years of life it has left.
Electrical
Panel type and condition, wiring, and any red flags insurers won’t accept — like certain older panels or cloth wiring.
Plumbing
Supply and drain line materials, water heater age, and signs of leaks.
HVAC
The age and working condition of your heating and cooling system.
It is not a full home inspection — it’s a snapshot of those four systems, documented with photos on the standardized form your insurer expects.
When insurers ask for a 4-point
In Florida, a 4-point usually comes up when a home is around 30 years old or more, though every insurer sets its own cutoff. You’ll typically be asked for one when you’re:
- ✓ Buying an older home and setting up a new policy
- ✓ Switching insurance companies
- ✓ Renewing a policy on an aging home
Around here, that describes a lot of houses — much of Spring Hill and Brooksville was built in the ’70s, ’80s, and ’90s, so 4-point requests are just part of owning a home in Hernando County.
Why homeowners choose Jay
Free with your full inspection
Buying a home? Your 4-point (and wind mitigation) are included at no charge with a complete inspection.
Same-day reports
Your completed 4-point form goes out the same day, so your insurance quote isn’t stuck waiting on paperwork.
A builder’s eye
Jay Sampson is a state-certified building contractor with 25+ years in insurance restoration, inspecting Hernando County homes since 2013. He knows exactly what insurers are looking for.
Pair it with a wind mitigation inspection
If you’re scheduling a 4-point, it’s worth doing a wind mitigation inspection in the same visit. The 4-point is about qualifying for coverage — the wind mitigation is about lowering what you pay for it. One trip, both forms done.
Serving all of Hernando County and nearby
4-Point Inspection FAQs
How long does a 4-point inspection take?
Usually 30 minutes to an hour on site, depending on the size and age of the home. You’ll have the completed report the same day.
Will my home pass?
A 4-point isn’t pass/fail — it documents the condition of the four systems, and your insurer decides what they’ll accept. If something is likely to be a problem (an outdated electrical panel, a roof at end of life), Jay will walk you through it on site so there are no surprises, and you’ll know exactly what to fix before the insurer sees it.
Is a 4-point the same as a full home inspection?
No. A full home inspection covers the whole house top to bottom; a 4-point only documents the roof, electrical, plumbing, and HVAC for insurance purposes. If you’re buying a home, get the full inspection — the 4-point is included free.
How long is a 4-point good for?
Most insurers accept a 4-point that’s less than a year old, but each company sets its own rules — check with your agent if your inspection is more than a few months old.
Ready to schedule? Most 4-points happen within a couple of days.
Call or text Jay — and have the completed report in your hands the same day as the inspection.