4-Point Inspection Boynton Beach, FL

4-point in Boynton

Which Boynton Beach Homes Get Asked for a 4-Point

Citizens requires one on properties more than 20 years old, and private carriers set their own limits, often between 20 and 30 years. In Boynton, that covers more ground every year.

Local field sheetBoynton Beach, FL

Sheet · 4-Point Inspection

Boynton Beach runs in bands from the Intracoastal west: 1920s subdivisions and 1960s waterfront condos in the east, large 55+ communities near Congress Avenue, then gated communities past the Turnpike, some with a Boynton Beach address but outside the city limits.

County: Palm Beach County, FL
Building code zone: Outside the HVHZ · region set by design wind speed
From our office: 34.8 miles from 3610 N 65th Ave, Hollywood
Typical homes: 1960s to 1980s condos and CBS houses in the east, gated concrete-block homes out west
55+ living: Sterling Village, Hampshire Gardens and Leisureville in the east, the Valencia series out west
Condos: Condo and co-op buildings of three or more stories recertify with the city at 25 years
City or county: Some western addresses are unincorporated, so permits may sit with Palm Beach County
Water and salt: Intracoastal, Boynton Inlet and the marina to the east. Flood zones vary by address
ZIP codes: 33426 · 33435 · 33436 · 33437 · 33472 · 33473

Neighborhoods we cover

Lake Boynton Estates
Hampshire Gardens
Sterling Village
Leisureville
Marina District
Renaissance Commons
Quail Ridge
Valencia Reserve
Valencia Bay
Valencia Cove
Valencia Lakes
Valencia Pointe
Valencia Grand
Valencia Del Mar

1960s communities by the water
Sterling Village was built in 1966 and 1967, and Hampshire Gardens dates from the same decade. Those are the years of Federal Pacific panels, Zinsco panels and aluminum branch wiring. Many units may have been updated, so the report records what is actually there.
Leisureville's long build-out
Leisureville homes went up from 1969 to 1987. The early end overlaps aluminum branch wiring and the later end overlaps polybutylene supply lines, so the year on your home matters as much as the community. Insurers ask about both, and we identify what is visible.
Western subdivisions hitting 20
West Boynton filled in from the 1970s through the 2000s, so a home from the early 2000s is now past 20 years old. Original roofs, water heaters and A/C units are what draw questions on these newer homes, not the old panel brands.

The four systems

What a Boynton Beach 4-Point Inspection Covers

Follow the checklist, or tap a pin, to see what the underwriter wants to know about each system in your home.

Roof
Covering type, age, condition and remaining useful life, even if an association maintains it. Ask for re-roof records so the age we report can be documented.
Age · condition · remaining life
Electrical panel & wiring
Panel brand, amperage, breakers and wiring type. Homes from the 1960s and 1970s get a closer look for Federal Pacific, Zinsco and aluminum branch circuits.
Panel brand · amperage
Plumbing
Supply and drain material, visible leaks, fixtures and shutoffs. Polybutylene is a usual question in Boynton homes plumbed from the late 1970s to the mid-1990s.
Pipe material · leaks
Water heater
Age, location, TPR valve and discharge line. A photo of the data plate gives the carrier the year, which helps with heaters tucked into closets or garages.
Age · TPR valve
Heating & air conditioning
Manufacture year and operation of the air handler and condenser. Units near the Intracoastal take salt air, so condition can lag behind age.
Age · operation

Home inspector checking an electrical panel during a 4-point inspection in Florida

Panel check

Why insurers ask

4-Point Inspections for Boynton Beach's Older Communities

Underwriters use a 4-point to see what they are taking on. An inspector with a Florida license has to report the age, type and condition of the wiring, heating, plumbing and roof. Boynton's housing makes this a routine request: its population roughly quadrupled in the 1950s, its big 55+ communities followed in the 1960s, and its western suburbs grew fastest in the 1980s.

This report is not a full home inspection, and it does not pass or fail anything. It is a short visit and a focused document, usually delivered the same day. That leaves time to get a contractor's quote before your deadline if something is likely to concern your carrier. Many carriers accept a report for about a year, though your insurer sets the rule.

Written for the underwriter, with a photo of each system
Identifies panel brand, wiring type and pipe material
Easy to pair with a wind mitigation form

Homes past 20 years
Citizens requires the report above that age, and private carriers vary, so ask your agent which limit is yours.
Renewal notice in hand
Find out what the underwriter will read while you still have time to replace a panel or fix a leak.
What carriers want
Ages, materials, amperage and condition, shown clearly in photos and laid out in the expected format.
Buying in a 55+ community
Order it in your inspection period, so you can confirm the home is insurable before you close.

Know before you file

Findings That Slow a 4-Point in Boynton Beach Homes

Each insurer has its own guidelines, but these are the findings that tend to raise questions on homes of Boynton's ages.

Federal Pacific, Zinsco or Challenger panelsOlder panel brands many insurers won't accept without replacement.
Aluminum branch wiringCommon in some 1960s–70s homes; often requires remediation or an electrician's evaluation.
Cloth or knob-and-tube wiringOlder wiring types that most carriers decline.
Polybutylene supply linesGray plastic plumbing known for failures and a frequent deal-breaker.
Roof at or past the insurer's age limitEach carrier sets its own maximum roof age and condition requirements.
Active leaks or water damageVisible leaks at fixtures, the water heater or the roof are flagged.
Double-tapped breakers or exposed splicesFixable electrical hazards an underwriter will ask about.
HVAC not workingThe system must be operating and in reasonable condition at the time of inspection.

If we find one of these, we explain it in plain English so you can get a quote from a licensed electrician, plumber or roofer before your policy deadline. Insurer guidelines vary, and your agent has the final word.

Simple from start to finish

How a Boynton Beach 4-Point Inspection Works

Share your deadline
Tell us the policy date or closing date, plus the year built. We work seven days a week.
Four systems, photographed
Roof, panel and wiring, plumbing, water heater and A/C, each documented for the underwriter.
Report, usually that day
The completed form and photos typically reach you before the day is out.
On to your agent
Forward the report to your agent. If something might concern the carrier, Peter walks you through it in plain English.

Peter Lemos, certified home inspector in South Florida

Your inspector

Peter Lemos, Certified Master Inspector®

Locally owned in Hollywood, FL and serving South Florida since 2008. Peter holds InterNACHI certifications in wind mitigation, 4-point and mold inspection, and clients rate Global Home Inspectors 5 stars on Google.

Meet Peter

2008Since

4.9★Google

3Counties

24hReports

Client notes · Google reviews

What South Florida Homeowners Say

4.9 Based on 82 Google reviews

“I called Global Home Inspectors to conduct a 4 point inspection and wind mitigation inspection. Peter arrived on time and was very professional. He started the inspection process immediately and took pictures. I received my report the same day and I am very pleased with the service. …”

Monique M.4-point & wind mitigation

“From start to finish, Peter was prompt, professional, and incredibly thorough. He took the time to explain every detail, answer our questions, and provide a clear and comprehensive report.”

Kendry A.Home inspection

“He was able to come out and complete the inspection within 24 hours and send me the report the same day. Most companies would have taken a week to come out and another week to send the report.”

R. Mast4-point inspection

“After a few upgrades to our home, we needed to provide our insurance company with an updated 4 point & wind mitigation inspection. I’m so glad I went with Peter because he was fantastic! He arrived on time, was a great communicator, and sent the reports very quickly. …”

Mari H.4-point & wind mitigation

“Peter visited my place as scheduled and came prepared with a good understanding of my house's historical record. … I received the report 20 minutes right after his leave. Super fast! … p.s. the drone is really cool; used to take a full view of the roof.”

NeilInsurance inspection

“Mr. Lemos is very responsive, attentive, customer friendly. Working with him and mutual customer was an absolute breath of fresh air. …”

Angela C.Insurance agent, State Farm

Read all 82 reviews on Google Leave a review See all client reviews

Good questions

4-Point Inspection FAQs for Boynton Beach, FL

Answers for Boynton Beach owners and buyers. Need more? Call (954) 297-0317.

Does my Boynton Beach home need a 4-point?

If it is more than 20 years old and the policy is with Citizens, yes. Private carriers set their own limits, often between 20 and 30 years, so ask your agent which number applies to you.

Do older Boynton Beach condos and co-ops need one?

Some carriers ask for one on older units, including in 1960s communities along the Intracoastal, so check with your agent. We cover what is inside your unit, and the association's records usually speak to the roof and shared systems.

My home in west Boynton was built in 2005. Will I be asked?

Possibly. It has passed the 20-year line Citizens uses, while private carriers may allow more time. The panel and pipes are less often the issue at that age. Expect questions about the roof, the water heater and the A/C.

What if my panel is Federal Pacific or Zinsco?

We record what is there and do not pass or fail it. Many carriers hesitate over those brands, so get a licensed electrician's quote before your deadline if that could be an issue.

How long will the report stay good?

That is up to the insurer. Many take a report for about a year, but ask first if yours is older, or if a roof or panel has changed since it was written.

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

No. A full home inspection looks at the whole property and is what a buyer needs. A 4-point is a narrow insurance report. Boynton Beach buyers in older communities often order both.