Certified 4-Point Inspections in Lake Worth, FL

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What Is a 4-Point Inspection?

A 4-point inspection is a targeted evaluation of four essential systems in a home: roofing, electrical, plumbing, and HVAC. It is commonly required by Florida insurance providers when insuring older homes—typically those over 20 years old.


Unlike a full home inspection, which covers the entire property, a 4-point inspection focuses only on these key components. Insurance companies use it to determine the home’s insurability and overall risk. If any of these systems are outdated, defective, or unsafe, insurers may deny coverage or request updates before issuing a policy.



At Truth Be Told Inspections, we conduct certified 4-point inspections that meet all Florida underwriting standards and provide fast, accurate reporting designed specifically for your insurance provider.

What Does the 4-Point Inspection Cover?

Our 4-point inspection includes a detailed evaluation of the following systems:

Roof

  • Roof age and type
  • Overall condition and evidence of damage
  • Signs of leaks or prior repairs
  • Estimated remaining useful life

Electrical System

  • Panel type and condition
  • Wiring type (e.g., copper, aluminum)
  • Breakers, grounding, GFCI protection
  • Evidence of hazards or outdated components

Plumbing System

  • Type of plumbing materials (PVC, copper, galvanized, etc.)
  • Visible leaks or corrosion
  • Hot water heater type, age, and condition
  • Functional fixtures and drainage

HVAC (Heating & Cooling)

  • Type of system (central AC, mini split, etc.)
  • Age and general condition
  • Ductwork visibility and airflow
  • Evidence of damage, leaks, or rust

The inspection does not test performance or evaluate optional systems like pools or appliances. Its purpose is to document the current state of the four systems for insurance review.

Who Needs a 4-Point Inspection?

If you're purchasing, insuring, or renewing a policy for an older home, you may be required to submit a 4-point inspection report. This type of inspection is typically required for:

  • Homes over 20 years old
  • Policy renewals for older homes
  • Buyers needing insurance to close
  • Homeowners switching carriers
  • Real estate agents managing closings

Florida’s insurance market is strict, and without a valid 4-point inspection, you could face coverage denial or premium increases. Our job is to help you avoid delays by delivering the right report the first time.

What Makes Our 4-Point Inspections Different

At Truth Be Told Inspections, we combine technical accuracy with professionalism and reliability. We know that insurance deadlines can be stressful—so we prioritize speed, clarity, and communication.

Here’s what you can expect:

  • Certified inspections performed by an InterNACHI-certified inspector
  • Fast report delivery — usually the same day, always within 24 hours
  • Accurate formatting accepted by Florida insurance carriers
  • Clear language and photographic evidence for every system
  • Follow-up support if your insurer needs clarification

We don’t exaggerate. We don’t guess. We give you the facts so you can take the next step without confusion.

Serving Palm Beach County and Beyond

We conduct 4-point inspections across:

  • Lake Worth
  • West Palm Beach
  • Palm Beach Gardens
  • Boynton Beach
  • Wellington
  • Delray Beach
  • Royal Palm Beach
  • Greenacres and surrounding areas

If you’re not sure whether we service your zip code, just give us a call. We’re happy to confirm.

Frequently Asked Questions

  • Is a 4-point inspection the same as a home inspection?

    No. A 4-point inspection only evaluates four systems and is used for insurance purposes. A full home inspection is much more comprehensive and includes structural, interior, exterior, and safety evaluations.

  • Do I need a 4-point for a newer home?

    Usually no. Most insurers require 4-point inspections only for homes 20 years old or older. However, every insurer is different. Always confirm with your provider.

  • Can I combine this with another inspection?

    Yes. Many clients combine a 4-point with a full residential inspection or a wind mitigation report. We offer bundled pricing and single-visit convenience.

  • What if the report shows a problem?

     If any system is flagged as non-functional or unsafe, your insurance provider may request repairs. Once corrected, we can perform a reinspection and update the report.

Book Your 4-Point Inspection Today

Avoid last-minute insurance delays by scheduling your 4-point inspection with a trusted, local expert. Truth Be Told Inspections delivers the certified reporting you need—with the clarity and turnaround your closing or policy demands.