4-Point Inspection – Personal Lines
Citizens – Insp4pt 09 12 Page 3 of 3
This form has been made available to verify the types, ages and conditions of a home’s four major systems to determine
eligibility/acceptability with Citizens Property Insurance Corporation.
If another inspection form is used, it must provide the same level of detail as found on this report.
A 4-Point Inspection is required for all homeowner, dwelling and mobile home
applications for properties over 30 years old.
The Citizens 4-Point Inspection form includes the minimum data needed for Underwriting to properly
evaluate a property application. While this specific form is not required, any other inspection submitted for
consideration must include at least this level of detail to be acceptable to Citizens.
Photos must accompany each 4-Point inspection submitted to Citizens. The minimum photo requirement
for all submissions is a front and rear elevation. However, there are additional photo requirements for a 4-
Point inspection such as:
Open Main Electrical Panel and Interior Door
HVAC heating system (with dated manufacturer’s plate)
ALL hazards or deficiencies noted
The Citizens 4-Point inspection may be submitted in lieu of the Citizens Roof Condition Certification Form
(CIT RCF-1) if a minimum of 2 photos of the roof are also provided. This will satisfy the required roof
documentation listed in the Citizens Rules Manual.
All inspections must be performed (and certified) by the appropriately Florida-licensed professional.
Without a verifiable, certified inspector’s dated signature, the documentation will not be accepted. The
following FLORIDA-LICENSED individuals may complete a 4-Point Inspection for Citizens in its entirety:
Note: A trade-specific, licensed professional may sign off only on their trade component of the 4-Point
inspection form (e.g., a roofing inspector may sign off only on the roofing portion of the form).
A general, residential, or building contractor
A building code inspector
A registered architect
A home inspector
A professional engineer
A building code official who is authorized
by the State of Florida to verify building
CERTIFYING THE CONDITION OF EACH SYSTEM
The Florida-licensed inspector is required to certify the condition of the electrical, HVAC and plumbing
systems. “Acceptable Condition” means that each system is working as intended and there are no
visible hazards or deficiencies.
ADDITIONAL COMMENTS OR OBSERVATIONS
This section of the 4-Point inspection must be completed with full details/descriptions if any of the
following are noted on the inspection:
Updates (provide full details of the types of updates
completed, date completed and by whom)
Any system determined to be NOT in good
Any hazards/deficiencies are present
The writing agent must fully review each 4-Point inspection submitted with an application for coverage in
advance. It is the agent’s responsibility to ensure that all Citizens rules and requirements are met before
the application is bound.