4-Point Inspection Plantation, FL | Four Point Insurance Form

4-point in Plantation

What Trips Up a Plantation 4-Point

Citizens requires the report on dwellings more than 20 years old, and private carriers set limits of their own, often between 20 and 30 years. In this city, that line now reaches well past the old neighborhoods.

Local field sheetPlantation, FL

Sheet · 4-Point Inspection

A drained, canal-laced city planned in the 1940s and incorporated in 1953: older ranch and canal homes east of University Drive, Jacaranda's condos, townhomes and villas west of it, and rural Plantation Acres on the western side.

County: Broward County, FL
Building code zone: High-Velocity Hurricane Zone (HVHZ)
From our office: 6.0 miles from 3610 N 65th Ave, Hollywood
Typical homes: 1950s to 1970s ranch and canal homes in the east, planned communities in the center, acreage to the west
Roofs: Shingle and tile, often under big shade trees, with flat sections on older additions
Condos: Garden condos, villas and townhomes in Jacaranda, plus 55+ Lauderdale West. No oceanfront towers
Water: Inland, so less salt air. Drainage runs on canals and pump stations. Flood zones vary by address
Septic and wells: Many Plantation Acres listings show septic tanks, and some show wells
ZIP codes: 33317 · 33322 · 33323 · 33324 · 33325

Neighborhoods we cover

Plantation Isles
Plantation Gardens
Plantation Manors
Plantation Hills
Plantation Park East
Country Club Estates
Mirror Lake
Jacaranda
Lauderdale West
Plantation Acres
Melaleuca Isles
Plantation Preserve

The 20-year line keeps moving
A house finished in 2005 crossed the Citizens line in 2025. So the 4-point is no longer just for 1960s homes in Plantation Gardens. Jacaranda's 1980s townhomes and early-2000s houses anywhere in the city are in range too.
Panels and wiring on the east side
Federal Pacific and Zinsco panels turn up in homes of the 1960s and 1970s, and aluminum branch wiring from the mid-1960s to the early 1970s. That window covers plenty of Plantation Isles and nearby streets. Find out before your deadline, while an electrician can still help.
Polybutylene in later subdivisions
Supply lines from the late 1970s to the mid-1990s may be polybutylene, which overlaps Jacaranda and the later phases of Lauderdale West. Underwriters ask about pipe material directly, so we report what we can see at the heater and under the sinks.

The four systems

What a Plantation Underwriter Reads in the Report

Scroll down, or tap a pin, to see which details carriers look for in each of the four systems.

Roof
Covering type, age, condition and useful life, along with any flat sections. Citizens wants proof of five more years on soft roofing past 25 or hard roofing past 50.
Age · condition · remaining life
Electrical panel & wiring
Panel brand, amperage, breakers and wiring type, plus double taps and open splices. Older homes east of University Drive get the closest look on this one.
Panel brand · amperage
Plumbing
Supply and drain material, visible leaks, fixtures and shutoffs. We report on the pipes in the house. Septic tanks and wells in the Acres sit outside this form.
Pipe material · leaks
Water heater
Age, location, TPR valve, discharge line and leak signs, whether it lives in a garage, utility room or closet. A data-plate photo answers the year question.
Age · TPR valve
Heating & air conditioning
Manufacture year and operation of the air handler and condenser. Leaf litter packed around an outdoor unit is worth clearing before we arrive.
Age · operation

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

Panel check

Why insurers ask

The Insurance Question Behind a Plantation Four Point Report

Plantation went from about 8,500 residents in 1963 to more than 48,000 by 1980, so a large share of its housing has been through many summers. That is what carriers want documented. The report must come from an inspector licensed by Florida, and it records the age, type and condition of wiring, heating, plumbing and roof.

This is not a full home inspection. It is a short report written for an underwriter. The visit is quick, the report usually comes that day, and you have time to call a contractor if something looks likely to raise a question. Many carriers accept a report for about a year, but insurers set the rule.

Photos and details for each of the four systems
Same- or next-day visits when time is short
Pairs well with a wind mitigation form

Older east-side homes
Citizens asks on dwellings past 20 years. Private carriers pick their own limit, so confirm yours with your agent.
Renewal coming up
Learn what the underwriter will read while there is still time to swap a panel or fix a leak.
What the report holds
Ages, materials, amperage and condition, with photos, in the format carriers expect.
Buying before you insure
Order one during your inspection period, then get a real quote before closing.

Before you file

4-Point Findings That Worry Plantation Underwriters

Every insurer has its own guidelines. These are the items that most often slow down a policy on homes of this city's age.

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 We Handle a Plantation 4-Point

Share your deadline
Renewal date or closing, tell us which. Next-day visits are often possible, sometimes sooner.
Inspect the four systems
Roof, panel and wiring, plumbing, water heater and A/C, each one photographed.
Report, usually that day
The finished report with photos comes to you soon after the visit.
Forward to your agent
If anything needs work, Peter explains it plainly so you can line up a contractor.

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

Four Point Inspection Questions in Plantation, FL

Answers for owners and buyers in Plantation. Need more detail? Call (954) 297-0317.

Are four point inspections the same as a 4-point?

Yes, same report, two spellings. Plantation, FL four point inspections document the roof, electrical, plumbing and heating and cooling so an insurer can decide on the policy.

Does my Jacaranda townhome need one?

It can. Citizens requires one on dwellings over 20 years old, and other carriers set their own limits. Some condo carriers ask too. Plenty of Jacaranda units are past that age, so ask your agent which form your carrier wants.

Does a 4-point cover my septic tank or well in Plantation Acres?

No. The report looks at plumbing in the home, not a septic tank, drain field or well. A septic contractor handles the tank, and we can test well water as a separate service.

How long does a 4-point report last?

Insurers decide, and many take one for about a year. Ask your agent before reusing it, above all after a new roof or panel has gone in.

What if my home still has an old panel?

We report what is there and do not pass or fail anyone. Carriers often decline certain brands, so if yours may be one, get a quote from a licensed electrician before the deadline.

Is this the same as a home inspection?

No. A 4-point is limited to four systems for an insurer. A buyer in Plantation usually wants a full home inspection as well, since that covers the entire house.