St. Petersburg, FL & Pinellas County
4-Point Inspection in St. Petersburg, FL
Insurance-ready 4-Point reports for St. Pete bungalows, waterfront homes, and historic properties.
St. Petersburg's housing inventory ranges from 1920s craftsman bungalows in Historic Kenwood to modern waterfront builds on Snell Isle. RMC Inspections documents the roof, electrical, plumbing, and HVAC systems on the standard Florida 4-Point form so your insurance carrier can underwrite with confidence.
Licensed & Insured • Born and Raised in Pinellas County • 14+ Years of Inspection Experience • 24–48 Hour Turnaround
4-Point Inspection
$100
Flat rate · St. Pete & Pinellas County
4-Point + Wind Mitigation
$150
Both reports · one appointment
Roof Certification
$75
Add to any inspection
Many St. Petersburg homeowners schedule both inspections during the same appointment to save time and satisfy common insurance requirements. See full pricing
What a 4-Point Inspection Covers
The 4-Point Inspection looks at the four systems Florida insurance underwriters care about most. Each is photographed and reported on the form your carrier expects.
Roof
Documents covering type, age, condition, and remaining useful life. Critical for St. Pete's older bungalows and Mediterranean Revival homes, where tile and built-up roofs vary widely in age.
Electrical
Reviews the panel, branch wiring, amperage, grounding, and visible hazards. Historic St. Pete homes often still have original or partially updated wiring that underwriters want documented.
Plumbing
Examines visible supply and drain lines, water heater age, pipe material, and active leaks. Galvanized and cast iron lines are common in pre-1970 bungalows.
HVAC
Documents the central heating and cooling system, age, condition, and operational status at the time of inspection.
Why Florida Insurance Carriers Request 4-Point Inspections in St. Petersburg
St. Petersburg has one of the highest concentrations of historic homes in Pinellas County. Bungalows in Historic Kenwood, Mediterranean Revival properties in Old Northeast, and mid-century homes throughout Jungle Terrace and Crescent Lake regularly cross the 25-year insurance threshold.
Add waterfront exposure on Snell Isle, Shore Acres, and Coquina Key and you have a city where carriers want strong documentation of every home's roof, electrical, plumbing, and HVAC condition before they'll bind a policy.
A clean, accurate 4-Point report eliminates back-and-forth between you, your agent, and the underwriter. RMC Inspections delivers it in the format carriers already accept so your policy moves forward quickly.
Serving St. Petersburg Neighborhoods
RMC Inspections works with homeowners throughout St. Petersburg — from downtown condos and historic districts to waterfront communities along the bay.
- Historic Kenwood
- Old Northeast
- Snell Isle
- Shore Acres
- Jungle Terrace
- Downtown St. Petersburg
- Coquina Key
- Crescent Lake
Why St. Pete Homeowners Choose RMC Inspections
Local Pinellas inspector
Born and raised in Pinellas County — familiar with St. Pete's historic and waterfront housing.
Insurance-compliant reports
Carrier-ready 4-Point forms with clear photos.
24–48 hour turnaround
Reports delivered fast so your policy timeline holds.
Clear communication
Real answers, not call-center scripts.
14+ years experience
Hundreds of Pinellas County 4-Point reports completed.
Licensed & insured
Florida-licensed Home Inspector HI7816.
St. Petersburg 4-Point Inspection FAQs
How much does a 4-Point Inspection cost in St. Petersburg?
A standalone 4-Point Inspection in St. Petersburg is $100. Most St. Pete homeowners prefer the $150 combined package that includes a Wind Mitigation Inspection in the same visit.
Do I need a 4-Point Inspection for my historic St. Pete home?
Almost always. Homes in Historic Kenwood, Old Northeast, and similar neighborhoods are usually well over the 25-year threshold that triggers a 4-Point requirement on most Florida policies, especially on new applications and renewals.
How long does the inspection take?
Most 4-Point Inspections in St. Petersburg take 30 to 60 minutes. Larger waterfront properties on Snell Isle or Coquina Key may take a little longer.
When will I receive my St. Petersburg 4-Point report?
Reports are typically delivered by email within 24 to 48 hours of the inspection, formatted to meet Florida insurance carrier requirements.
Can I schedule a 4-Point and Wind Mitigation together?
Yes — and it's the most common request we get in St. Pete. Both reports are completed in a single appointment for $150 combined.
Schedule Your St. Petersburg 4-Point Inspection
Call RMC Inspections or send a message to lock in your appointment. Bundle with a Wind Mitigation Inspection for $150 combined.