Seller question
Do I need a four-point inspection to sell my home in Miami-Dade?
Short answer
No law requires a seller to get one. But a buyer’s insurance company will usually ask for a four-point inspection on an older home, so many sellers get one before listing to avoid surprises.
What a four-point inspection covers
It is a limited inspection of four systems, used by insurers to decide whether to cover a home:
- Roof
- Electrical
- Plumbing
- Heating and air conditioning (HVAC)
Why it matters when you sell
If the buyer can’t get insurance, a financed sale can’t close. Knowing what a four-point report will say lets you fix an issue, or price for it, before a buyer finds it.
Insurers set their own rules about which homes need one, often based on the age of the home. Ask a local insurance agent what applies to a home like yours.