Average Cost of a 4-Point Inspection in Florida (2026)
What a 4-point inspection costs in Florida in 2026, what's included, and why flat-rate pricing usually beats hourly quotes.
A 4-point inspection in Florida typically runs $75 to $150 as a stand-alone visit. Bundled with a wind mitigation report — which most insurers want at the same time — the combined price usually lands between $125 and $225.
What changes the price
- Square footage — bigger homes take longer
- Travel distance — outside the core service area adds a trip fee
- Turnaround — same-day or next-morning reports usually cost more
- Bundling — 4-point + wind mit + roof cert is almost always cheaper combined
What should be included
- On-site inspection of all four systems (electrical, plumbing, HVAC, roof)
- Photos of the panel, water heater, HVAC condenser, and roof
- The state Citizens 4-Point form filled out and signed
- PDF report emailed directly to you and your insurance agent
Why flat-rate beats hourly
Hourly pricing rewards a slow inspector. A flat-rate quote tells you the full price up front — no surprise add-ons for photos, extra forms, or "express" delivery. See our current flat-rate pricing for Pinellas County.
When you actually need one
Most Florida insurers require a 4-point inspection if your home is older than ~25 years, when you switch carriers, or at renewal if your policy has lapsed. Newer construction usually doesn't need one until later renewals.