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4-Point Inspection vs. Full Home Inspection

4-Point Inspection Full Home Inspection
Scope of Inspection Focuses on four essential components of a home: the roof, electrical system, plumbing system, and HVAC system Comprehensive examination of the entire property, including its structural components, electrical systems, plumbing systems, roofing, foundation, appliances, and more
Purpose 4-point inspection determines the condition and age of key systems to help insurance companies assess the level of risk when underwriting a homeowner’s insurance policy. Full home inspections provide a comprehensive assessment of the property’s condition so that buyers and sellers can gain a comprehensive assessment of the property’s condition
Report Format This inspection provides a concise and specific report of the condition, age, and potential hazards of the four main systems. The reports for a full home inspection cover all the parts of a property. Hency they are extensive and detailed.
Inspection Time Typically, completes within an hour Can take several hours, depending on the size and complexity of the property
Cost Lower than that of a full home inspection, as it covers fewer components More comprehensive and, therefore, usually more expensive.

Frequently Asked Questions

  • What can fail a 4-point inspection in Florida?

    The common reasons behind the failure of a 4-point inspection are:

    • Electrical problems
    • Aging or leaking roof
    • Old or leaking water heater
    • Poor or non-existent HVAC
  • Who pays for a 4-point inspection in Florida?

    If you are conducting the inspection for insurance purposes, the homeowner has to pay for it. If you are conducting a real estate transaction, the home buyer pays for it.

  • Can a buyer be present during a home inspection in Florida?

    Buyers not only can but should be present during home inspections.

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