Discover the Insurance Inspection Services at Milestone Inspections

A 4 point inspection is a focused evaluation of four key systems in a home: Roof, Electrical, Plumbing and HVAC. This insurance inspection is not a full home inspection—it's a limited review that gives insurance companies the information they need to assess risk.

During a wind mitigation inspection, the type, age, and installation method of the roof covering are evaluated. Inspectors verify whether the roofing material—such as shingles, tile, or metal—was installed in compliance with the Florida Building Code. 

This part of the 4 point inspection assesses the roof’s age, type (such as asphalt shingles, tile, or metal), and overall condition. The inspector looks for visible signs of damage like missing shingles, leaks, sagging areas, or water stains, which could indicate potential problems. The roof’s remaining lifespan is also considered, as older or damaged roofs may pose a higher risk to insurers. 

The electrical evaluation reviews the type of wiring installed (e.g., knob-and-tube, aluminum, or modern copper wiring) and the condition of the electrical panel and circuit breakers. Inspectors check for safety hazards such as outdated or improperly installed wiring, overloaded panels, or lack of proper grounding, which can increase fire risk and affect insurance eligibility. This is included in the 4 point inspection.

The plumbing inspection focuses on the type of pipes used in the home (such as copper, PVC, galvanized steel, or polybutylene), their age, and condition. Inspectors look for visible leaks, corrosion, water damage, or signs of pipe failures. Aging or faulty plumbing can cause water damage and costly repairs, which are important factors for insurance companies. This is included in the 4 point inspection.

This section evaluates the age, condition, and functionality of the home’s heating and cooling systems. Inspectors check if the HVAC units are operating properly, are well-maintained, and are safe to use. Older or malfunctioning HVAC systems may lead to insurance concerns due to the potential for breakdowns or hazards. This is included in the 4 point inspection.

The inspection verifies the year your home was built, and checks permit records to determine if it complies with the Florida Building Code, especially homes constructed after March 1, 2002, which generally benefit from stronger wind-resistance requirements. This is included in the wind mitigation inspection.

All windows, doors, and garage doors are checked for protection against windborne debris, including impact-resistant glass or approved shutters. Full protection of all openings is necessary to qualify for the maximum insurance credits. This is included in the wind mitigation inspection.

This involves examining how the roof decking (plywood or other sheathing) is fastened to the roof structure. The type, length, and spacing of nails or screws are critical, with stronger attachments providing greater protection against wind uplift. The method used to connect the roof framing to the walls is inspected, ranging from less secure toenailing to more robust metal clips or hurricane straps. Secure connections help prevent roof damage during high winds and increase insurance savings. This is included in the wind mitigation inspection.

Inspectors evaluate the type, age, and installation of the roof covering—such as shingles, tile, or metal—to ensure it meets current building codes. Roofs installed with proper permits after 2002 often qualify for better insurance rates.  The shape of the roof is reviewed, with hip roofs (sloped on all sides) being the most wind-resistant, often leading to higher discounts compared to gable or flat roofs. This is included in the wind mitigation inspection.