Four point inspections were started after Hurricane Andrew in 1992. They are preformed on behalf of insurance companies as a requirement for the insurer providing coverage to the homeowner. After the heavy hurricane season of 2004, the four point inspections have taken on even more importance. The benefit to the insurance company is the reduced loss risk on homeowner insurance policies. As insurance companies are seeing the benefit of this type of inspection, this program is beginning to spread across the country.

In 2002 the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). The result was the creation of Citizens Property Insurance Corporation (Citizens), which serves the needs of Florida homeowners in high risk areas and others who cannot find coverage in the open private insurance market. It is funded by premiums paid by the insured and from other insurance companies paying into the program to reduce their overall losses.

The four point Insurance Inspection consists of a visual inspection of the following:

1. ROOF
2. ELECTRICAL
3. HVAC (heating/cooling) SYSTEM
4. PLUMBING

The insurance companies expect the condition of the above components to be operating as intended by the manufacturer.

There is no industry wide reporting form for a Four Point Inspection. Some insurance companies provide their own forms; but most companies accept forms provided by certified inspector. Accurate Inspectors, Inc. has developed a report form that the meets the requirements of companies doing business in Florida.