Can a General Contractor Do a 4 Point Inspection in Florida?
Can a General Contractor Do a 4 Point Inspection in Florida?
Quick Answer
Yes – a general contractor with a verifiable Florida license may conduct and sign a four-point inspection in Florida. The Florida Department of Financial Services’ Insurance Consumer Advocate guide lists general contractors among eligible professionals. Citizens Property Insurance Corporation also lists general contractors and requires a verifiable Florida-licensed professional to complete, sign, and date its form. Before you hire someone, confirm the insurer’s required form and acceptable report age for your insurance application. Call me at 941.400.8735 or reach out directly to Michael Renick – I’ll share my approach with you.
Can you hire a Florida general contractor for your four-point inspection?
You can hire a general contractor with a verifiable Florida license to conduct and sign your four-point inspection. Confirm the insurer’s form and requirements before booking the inspection.
The Florida Department of Financial Services’ Four Point Inspection Guide says the inspection must be completed and signed by a verifiable Florida-licensed professional, such as a general, residential, or building contractor, or a home inspector. A general contractor is therefore an eligible option – not just someone you would consider for repairs.
Mike Renick and Eric Teoh have been 5 star Realtors for many, many years. Both individuals have been cooperative and pleasant to any of my requests. While I am away from my Longboat residence Eric has willingly checked on the conditions and status of our unit. I would highly recommend both for real estate needs.
– Peter Cutler, Google Review
Keep the inspector’s qualifications separate from the report requirements. Ask your insurer which form to use and how recent the inspection must be when you submit your application.
What Citizens requires from the inspector
Citizens Property Insurance Corporation’s four-point inspection form requires a verifiable Florida-licensed professional to complete, sign, and date it. General, residential, and building contractors are listed as examples of professionals who may complete the form.
Citizens limits trade-specific professionals to their own section. If you are considering a trade-specific professional rather than a general contractor, ask Citizens who will need to complete the remaining sections.
How to time the inspection for your application
The Florida Department of Financial Services guide says the report generally must be dated within the 30 days before submission of your insurance application. However, each insurance company determines its acceptable timeframe.
Use your insurance application submission date – not an assumed deadline – to discuss scheduling with your insurer. Ask for its acceptable report timeframe before you book.
It gives us the greatest pleasure that we recommend both Eric Teoh and Mike Renick for your real estate needs. They are a hard working team, always on hand, and willing to go the extra mile where ever needed with outstanding results. Additionally they monitor our unit during the summer season which gives us great peace of mind. Team Renick is always at your service and will continue to do so with possible expansion.
– cutlerpf, Zillow Review
Let’s continue this conversation.
Call me at 941.400.8735 or schedule a 15-minute call. I’ll tell you what I would look for.
Call 941.400.8735 or Schedule a Call
Questions Clients Actually Ask
Who besides a general contractor can complete a four-point inspection?
The Florida Department of Financial Services guide also lists residential contractors, building contractors, and home inspectors as examples of eligible professionals. The person must have a verifiable Florida license and complete and sign the inspection.
Can you use a report dated more than 30 days before your application?
That depends on your insurance company’s acceptable timeframe. The state guide gives a general window of 30 days before application submission, but expressly leaves the acceptable timeframe to each insurer. Ask your insurer whether your existing report qualifies before ordering another inspection.
What To Do Right Now
Before hiring the contractor, ask your insurer to confirm whether it accepts that contractor’s credentials, which four-point form to use, and the acceptable report timeframe for your application.
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Michael Renick · Licensed Florida Real Estate Broker
License #BK3241900 · Verify on Florida DBPR
Mangrove Realty Associates Inc / Team Renick · Serving Sarasota & Manatee Counties since 2011
About the Author
I’m Michael Renick — a Florida West Coast broker with over 15 years guiding families through some of the biggest decisions of their lives. I’ve built my practice on hard work, honesty, and total transparency. No shortcuts, no spin — just straight answers, deep market knowledge, and the dedication my clients deserve from start to close.
Equal Housing Opportunity. This article is general information only, not legal, tax, insurance, or financial advice. Market conditions, insurance requirements, and costs vary by property and transaction; confirm your specific situation with the appropriate licensed professional. Michael Renick, Licensed Florida Real Estate Broker, License #BK3241900, licensed by the Florida Department of Business and Professional Regulation (DBPR). Mangrove Realty Associates Inc — each office is independently owned and operated.
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