In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). This resulted in the creation of Citizens Property Insurance Corporation (Citizens), which more efficiently and effectively provides insurance to, and serves the needs of, homeowners in high-risk areas and others who cannot find coverage in the open, private insurance market.  By law Citizens insurance must be the most expensive insurance policy on the market. It is funded by premiums paid by the insured and from other insurance companies paying into the program to reduce their overall losses.

While the four point insurance inspections were started by Citizens, they have quickly spread to most, if not all of the insurance companies that provide coverage in Florida.  Several insurance agencies throughout Florida have been recommending the 4 point inspection for some time now.

The insurance companies are looking for the four systems to be in generally good working condition and fulfilling their intended function. If the home is an older home the insurance companies want to see that the systems have been updated. In most cases, the forms are provided by the insurance companies to their clients. The clients then ask the inspector to fill the form out during the course of the home inspection.

In summary, the Four Point Insurance Inspection program is gaining in popularity and will likely continue to expand as the insurance companies recognize the value of the inspection and the savings benefits it provides to the insurance carrier.  Get yours TODAY!