Property condition & permits
Four-Point Inspections in Davie: What Owners Should Prepare
Quick answer
A four-point inspection reviews four systems insurers care about: roof, electrical, plumbing and heating/cooling. Many insurers ask for one on older homes. If you're selling an older Davie home, gather permits and invoices for each system now, fix obvious issues like a leaking water heater, and consider getting your own four-point before listing so you're not surprised by the buyer's report.
Prepare records for the actual insurer’s four-point form
Citizens’ inspection-form update lists electrical, HVAC, plumbing and roof changes in its March 2025 four-point form. Prepare dated records and access for the licensed inspector; confirm the current form with the insurer. A four-point is an underwriting report, not a substitute for a full home inspection or a Town permit inspection.
What it covers
| System | What's checked | Records to have ready |
|---|---|---|
| Roof | Age, condition, leaks | Permit, invoice |
| Electrical | Panel type, wiring, hazards | Panel/rewiring permits |
| Plumbing | Pipe type, water heater, leaks | Repipe permit, water heater date |
| HVAC | Age, condition | Replacement invoice |
Quick fixes before the inspection
- Repair active leaks
- Replace missing outlet covers
- Label the electrical panel
- Have the water heater's install date visible
Should a seller get one first?
A pre-listing four-point lets you fix or price issues before a buyer's insurance quote raises them. Talk it over with your agent.
Related Mora Realty Davie pages
Sources
- Citizens’ inspection-form update — Lists electrical, HVAC, plumbing and roof changes in its March 2025 four-point form