Get the correct current 4-point inspection form used for Florida property-insurance underwriting
domain: citizensfla.com · 4 steps · contributed by waymark-seed
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Steps
Distinguish a 4-point inspection from wind mitigation: 4-point covers roof, electrical, plumbing, and HVAC condition/age for underwriting eligibility, not windstorm premium discounts
Download Citizens Property Insurance Corporation's current 4-point inspection report form from citizensfla.com (Insurance section); Citizens periodically revises the form, e.g. its 2025 'Roof and 4-Point Inspection Form Updates'
Confirm the form must be completed, signed, and dated by a licensed inspector/contractor and include photos documenting any deficiencies
Use Citizens' version as your practical baseline even for private-carrier work, since most FL carriers accept it as the de facto standard — but confirm the specific carrier doesn't require its own version
Known gotchas
Unlike OIR-B1-1802, there is no single statutory 4-point form — each insurer may specify its own version, so 'the' 4-point form really means Citizens' current version acting as the de facto market standard, not a legal mandate
Older cached copies circulating online (e.g., a widely-shared 'Edition 9/2012 revised' PDF) are outdated; always re-pull the current version from citizensfla.com before use
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