HVAC documentation, 4-Point inspection
4-Point InspectionFour systems decide your policy.
When a Florida home passes its 30th birthday, carriers stop taking its word for it. The 4-Point is the document they ask for: roof, electrical, plumbing, and HVAC — age, material, and condition, photographed and signed.
Documentation carriers process on first read.
A 4-Point inspection exists because insurers price risk by system age. Roofs leak, panels fail, pipes burst, and compressors die on schedules actuaries know cold — so before writing a policy on an older Florida home, carriers ask for a standardized snapshot of exactly four things: the roof, the electrical system, the plumbing, and the HVAC.
That's the entire scope — deliberately narrow, deliberately fast. What matters is precision: the underwriter wants ages, materials, update history, and photographs in the format they process every day. A vague or incomplete 4-Point doesn't fail; it stalls, and stalled paperwork is how closings slip. Ours are completed on current carrier-standard forms and signed under Florida License #HI-14111, typically within 24 hours.
- Carrier-standard format — the layout underwriters process daily
- Nameplate photo set — ages documented, not estimated
- 24-hour delivery — to you or straight to your agent
- Bundle option — add wind mit & roof cert in one visit
What the carrier reads, point by point.
Each system is documented for age, material, condition, and update history — with the specific items Florida underwriters screen for.
Roof
Covering type, age, permit history, and remaining-life indicators — plus photos of each slope. The single heaviest factor in Florida underwriting.
Electrical
Panel brand and capacity, wiring methods, and the flagged equipment lists — Federal Pacific, Zinsco, aluminum branch wiring — documented or ruled out on the form.
Plumbing
Supply and drain materials, water heater age and condition, and the polybutylene question every carrier asks about homes of a certain era.
HVAC
System type, age, and operating condition — verified running, with nameplate photos that settle the age question before an underwriter has to ask.
Carrier-format, agent-ready, within 24 hours.
The report is built for the person who actually processes it: your agent's underwriting contact. Every point carries its nameplate photo, age, and material notation in the standardized layout carriers routinely process — signed under Florida License #HI-14111 and typically delivered within 24 hours, to you or directly to your agent.
Carrier-standard format
The layout underwriters process daily
Nameplate photo set
Ages documented, not estimated
24-hour delivery
To you or straight to your agent
Bundle option
Add wind mit & roof cert in one visit
Signed 4-Point report
Current carrier-standard format
Full photo set
Every system, every nameplate
Brian Walker, CMI™
Every Lunar inspection is performed and signed by Brian Walker — an InterNACHI Certified Master Inspector and My Safe Florida Home participating inspector whose background includes contracted housing inspections supporting U.S. Army housing programs, with 20+ years of building, remodeling, and field experience behind the credential.
One inspector, one standard: contractor-grade evaluation, insurer-grade documentation, and a direct line to the person who actually walked your property.
Lunar Home & Commercial Inspections
4-Point questions, answered.
A short, insurance-specific inspection of exactly four systems — roof, electrical, plumbing, and HVAC — reported in the standardized format Florida underwriters use to decide whether to write or renew a homeowner policy.
Usually homeowners buying or renewing coverage on a home around 30 years old or older — though carriers set their own triggers, and some ask sooner for older roofs, panels, or plumbing materials. Your agent will tell you if one's required.
No. A buyer home inspection evaluates the whole property for your purchase decision. A 4-Point answers one narrow question for an insurer: what are the age, material, and condition of these four systems today? They aren't interchangeable.
A 4-Point isn't pass/fail from the inspector's side — we document what's there, accurately and photographically. Whether a carrier writes the policy is the carrier's underwriting decision. What we control is that the documentation is complete, current-form, and never gives an underwriter a reason to kick it back for clarity.
Roofs near end of service life, certain electrical panels (Federal Pacific, Zinsco), polybutylene supply plumbing, aluminum branch wiring, and water heaters past their expected life. If your home has one of these, better to know before the application — see our 4-Point guide for how each is treated.
The visit runs about 30–45 minutes and the signed, photo-documented report is typically delivered within 24 hours — to you or straight to your agent.
The standard behind every visit.
Certified Master Inspector
The profession's highest credential. Reports signed by a CMI carry weight with agents, lenders, and insurance carriers.
Federal-contract discipline
Brian performed contracted housing inspections supporting U.S. Army housing programs. Your property gets the same checklist rigor — nothing skipped, everything documented.
24-hour reports
Photo-documented digital reports, most delivered within 24 hours, so inspection contingencies and carrier deadlines stay on track.
Technology on every visit
Thermal imaging and instrument diagnostics deployed whenever conditions call for them — documented in the same report.
Northeast Florida native
Coastal wind exposure, mid-century Jacksonville wiring, St. Johns new builds — we inspect what this region actually has.
Support after the report
Complimentary repair re-inspection verification and plain-English answers — the report is the start of the relationship, not the end.