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  #1  
Old 4/14/15, 12:53 PM
Jonathan Wilhelm, HI306 Jonathan Wilhelm, HI306 is offline
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Join Date: Jan 2010
Location: Broward County Florida
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Default 4 point requirement

At what age of home is a 4 point required? Is it different for different insurance companies?

Thanks,
Jonathan
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  #2  
Old 4/14/15, 12:56 PM
William H. Smith, HI1354 William H. Smith, HI1354 is offline
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Join Date: May 2010
Location: Winter Park, Florida
Posts: 652
Default Re: 4 point requirement

Typically around 30 years.
I have had 4 point requests on newer homes though.
I think the ins. industry is building a base line on residences.
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  #3  
Old 4/14/15, 1:36 PM
Michael J. Meeker, CMI's Avatar
Michael J. Meeker, CMI Michael J. Meeker, CMI is offline
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Join Date: Dec 2009
Location: South East Florida
Posts: 17,737
Default Re: 4 point requirement

It depends on the insurance people but many realtor types push them without having any idea.



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  #4  
Old 4/16/15, 8:35 AM
Bob Wisnewski's Avatar
Bob Wisnewski Bob Wisnewski is offline
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Join Date: Mar 2011
Location: Safety Harbor, Florida
Posts: 53
Default Re: 4 point requirement

Usually 30 years. Have done some homes that were under 30 since Citizens has been requesting 4 Pts when a prior sink hole issue was involved with the property.
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  #5  
Old 4/16/15, 8:54 AM
John Shishilla's Avatar
John Shishilla John Shishilla is offline
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Join Date: Jul 2008
Location: Melbourne, FL
Posts: 6,470
Default Re: 4 point requirement

Every company can be different. Usually 30 years, I believe State Farm is 10 years. If the house has been vacant, then thing will change also.



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  #6  
Old 4/16/15, 8:58 AM
Wayne Collier, HI5099's Avatar
Wayne Collier, HI5099 Wayne Collier, HI5099 is offline
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Join Date: Dec 2011
Location: Lakeland,Fl
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Default Re: 4 point requirement

Some require them on a foreclosure no matter the age.
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  #7  
Old 4/18/15, 4:57 PM
Ted Emmes's Avatar
Ted Emmes Ted Emmes is offline
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Join Date: Jun 2006
Posts: 137
Default Re: 4 point requirement

So far I have been told a 4 Pt is needed if 30 years or older, Foreclosure, Bank owned, sink hole claim on file, short sale, the agent says so............or if the day starts with a T..........Tuesday, Thursday, Today, Tomorrow, Tadderday, Tunday............etc. Hard to keep up.
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  #8  
Old 4/18/15, 7:31 PM
Dave Fetty, CMI's Avatar
Dave Fetty, CMI Dave Fetty, CMI is online now
Certified Master Inspector ®
 
Join Date: Feb 2014
Location: Naples all SWFL
Posts: 12,064
Default Re: 4 point requirement

Quote:
Originally Posted by temmes View Post
So far I have been told a 4 Pt is needed if 30 years or older, Foreclosure, Bank owned, sink hole claim on file, short sale, the agent says so............or if the day starts with a T..........Tuesday, Thursday, Today, Tomorrow, Tadderday, Tunday............etc. Hard to keep up.
Lol!




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  #9  
Old 4/18/15, 10:11 PM
Kevin House Kevin House is offline
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Join Date: Apr 2012
Location: Fort Myers, FL
Posts: 205
Default Re: 4 point requirement

Quote:
Originally Posted by temmes View Post
So far I have been told a 4 Pt is needed if 30 years or older, Foreclosure, Bank owned, sink hole claim on file, short sale, the agent says so............or if the day starts with a T..........Tuesday, Thursday, Today, Tomorrow, Tadderday, Tunday............etc. Hard to keep up.
That's consistent with the program here
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  #10  
Old 4/18/15, 11:34 PM
Michael J. Fox, HI 191 Michael J. Fox, HI 191 is offline
Certified Professional Inspector (CPI)
 
Join Date: Jun 2010
Location: Brevard, FL
Posts: 87
Default Re: 4 point requirement

Yep, got a call from a insurance agent asking me the life expectancy for the wiring on a 4- point I did???? And yes all standard life expectancy questions were answered including the updated panel, bla bla bla.
It's like WTF??
I told her until it's burned down or bulldozed... She said " I need a life expectancy on the wiring and your form doesn't have it. All other inspectors I've gotten reports from with list this."
After many other words with her, she stated that she was going to tell the client that I was not capable of providing he with an acceptable 4-point. I amended the report to 10 years on the wiring.

The moral of the story is don't waste your time arguing, energy or get your BP up trying to explain common sense to these uneducated pencil pushers.

Maybe we could legislate for these people to have some sort of education certification.

Yea, that's gonna happen!!!
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  #11  
Old 4/21/15, 6:24 PM
Richard Murphy Richard Murphy is offline
Certified Professional Inspector (CPI)
 
Join Date: Sep 2006
Location: Tampa, FL
Posts: 538
Default Re: 4 point requirement

I recently had an agent ask for the life expectancy of a 1978 HVAC unit I ran across - I replied "I don't know - Minus 20 years?"
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  #12  
Old 4/21/15, 9:52 PM
Michael J. Meeker, CMI's Avatar
Michael J. Meeker, CMI Michael J. Meeker, CMI is offline
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Join Date: Dec 2009
Location: South East Florida
Posts: 17,737
Default Re: 4 point requirement

Thats great what was the response of great future teller



<div align=center>
Quality Control Consultants. Pre-Purchase Building and Home Consultations
FLORIDA LICENSED GENERAL CONTRACTOR & CERTIFIED MASTER INSPECTOR
Call 954-922-0584 or E-Mail Me For The Best Consultations or Inspections in Florida.
mike@meekerindustries.com
http://www.meekerindustries.com
Also Check out these two great sites below for a HEALTHIER LIFE !
mikemeeker.towergarden.com & mikemeeker.juiceplus.com
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