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Professional Four-Point Home Inspection


Acceptable for insurance requirements


InterNACHI® certified inspectors

four point inspection under sink in a west pensacola home
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InterNACHI Certified Four Point Inspectors
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Covering Electrical, HVAC, Plumbing & Roofing on a Home

A four-point inspection is a type of home inspection, often requested by an insurance company. This report is shorter than a full general home inspection. It is essentially an "eligibility" report that helps determine if your home can be insured. Homes built before 2004 typically benefit from a four-point inspection to report on the status of major home infrastructure. The four points include Electrical, Plumbing, Roof/Structure, and HVAC. Insurance companies will use our written report to qualify your home for different rates and coverages.

Contact our team today for a fast and thorough four-point inspection report.

infographic demonstrating all four elements of a four point inspection: roof, electrical, hvac and plumbing

FAQs on Four-Point Inspections

Most insurance companies will require this inspection when you purchase a home. Homes built before 2004 are generally considered good candidates for this type of inspection. 

Four-point inspections are typically good for 1 year, but the final decision is up to the insurance company.

We can send the report directly to your insurance agent! You can also send it in yourself. Completely up to you. 

We would be happy to provide re-inspection of any areas recently upgraded or repaired, so you can have a fresh four-point inspection report to give to your insurance provider.

Qualified and certified inspectors

Our inspectors are InterNACHI® certified and have years of experience inspecting homes in the Florida panhandle. They have dozens of certifications and accreditations. Peace of Mind Inspection Services is an InterNACHI® Certified Four Point Inspector. We are experts in concrete, plumbing, HVAC, and electrical systems, with our inspectors having prior career experience in these fields.

richard hood
james parsons
InterNACHI Certified Four Point Inspectors
InterNACHI Certified Four Point Inspectors

Benefits of a four-point inspection

checkmark Required by most insurance companies

Four-point inspections are usually required by most insurance companies. These inspections are designed to get a baseline measurement of where your home is currently at. We look at the condition of the home's HVAC system, condition, hot water, roof, plumbing, and electrical updates. These inspections help you stay in compliance with your homeowner's insurance requirements.

home tools Get a baseline on key home infrastructure

Four-point inspections look at the big (and expensive) parts that make up a home. The HVAC system is a complex network of vents, furnaces, and AC units. We check all of the key parts of a home's infrastructure to give you a complete understanding of what you are buying (or what you own).

Trusted by Home Buyers and Home Sellers

Four-Point Inspection Process

checkmark Inspection scheduled

We will schedule an inspection with you online. Then our team pulls permits and finds information about the neighborhood, type of home, history of the home, etc.

checkmark Inspection day

On inspection day, we show up at the home. We do our thorough four-point inspection, which involves going indoors, outdoors, on ladders, etc. We will take pictures and make notes on our observations.

checkmark Meet-and-Greet

After the inspection, we will do a meet-and-greet with you to gain additional information. We will give our recommendations (suggestions like double tapping, code changes, policy changes, etc.)

checkmark Report delivered

We will ask if you want a copy sent directly to the insurance agent. You will also receive a written copy of your report.

checkmark Inspection scheduled

We will schedule an inspection with you online. Then our team pulls permits and finds information about the neighborhood, type of home, history of the home, etc.

Inspection Details

Our inspectors will produce a multi-page report, with written details, images, and checklists of the HVAC, plumbing, electrical, and roof on a home.

Want to see what a report looks like? Check out our sample four-point inspection report here.


The HVAC portion of the four-point inspection report is focused on AC and heating systems. Central AC and central heading are identified, and if the home does not use either method, an alternative primary heat source and fuel type are identified. The inspector then judges whether or not the heating, ventilation, and air conditioning systems are in good working order. If there is a date of last HVAC servicing available, this is written in the report.

We look for any hazards present in the HVAC system. Wood-burning stoves and central gas fireplaces are listed as to whether they were professionally installed.  The inspector will look at whether the air handler/condensate line shows any signs of blockage, leakage, or water damage. The age of the HVAC system is also provided in the report.

Example photos from a real home inspection


All home plumbing is examined, including the water heater. A comprehensive checklist is worked through, which checks for the presence of a temperature pressure relief valve on the water heater, any active leaks, an indication of prior leaks, and identifies the physical location of the water heater.

The inspector will judge the general condition of fixtures and appliances. This includes:

  • Dishwasher
  • Refrigerator
  • Washing machine
  • Water heater
  • Showers/Tubs
  • Toilets
  • Sinks
  • Sump pump
  • Main shut-off valve
  • Any other visible fixtures

Any comments or details on unsatisfactory elements are commented on. This can include leaks, wet/soft spots, mold, corrosion, caulking issues, etc. Supplemental information on the age of piping systems and the type of piping may also be provided.

The underlying purpose of the plumbing section is to ensure the proper working order of all plumbing systems within a home and to bring awareness to a potential buyer or seller of any issues.

Example photos from a real home inspection


This section of the report covers every aspect of a home's electrical system. Our inspection process looks at the main panel and any secondary panels. We will look at whether it's a circuit breaker or fuse panel, the total amps, and whether the amperage is sufficient for current usage.

We look for the presence of cloth wiring, active knob, and tubes, any branch circuit aluminum wiring, and connections repair via COPALUM crimp or AluminiConn.

The inspection then looks for any hazards present. This can include blowing fuses, empty sockets, loose wiring, tripping breakers, crossing, and"double taps". The electrical grounding is also examined, along with any unsafe wiring practices.

Our certified inspectors then make a final decision on whether the general condition of the electrical system is satisfactory or unsatisfactory.

Example photos from a real home inspection


The roofing section looks at the condition of a home's roof. The predominate roof is inspected for covering material, roof age, and remaining useful life. The date of the last roofing permit and last update are listed and noted whether it was a full or partial replacement.  Any visible damage or deterioration is noted and documented with a photo. This can include cracking, curling, excessive granule loss, exposed asphalt, exposed felt, soft spots, and visible hail damage. Our inspectors will also look for any signs of visible leaks.

A bottom-line decision is made as to whether the overall condition of the roof is "satisfactory" or "unsatisfactory".

Example photos from a real home inspection