Yes. A four-point inspection absolutely includes the roof.
In fact, the roof is one of the four major systems reviewed during the inspection. Insurance companies require this because the roof is one of the most expensive and highest-risk parts of a home.
If you are being asked for a four-point inspection, the roof will be evaluated.
What Does the Inspector Look for on the Roof?
The inspector is not performing a full roofing inspection. Instead, they are documenting the roof’s current condition for insurance purposes.
They typically look at:
- Type of roof covering (shingle, tile, metal, etc.)
- Estimated age of the roof
- Visible damage or deterioration
- Signs of active leaks
- Remaining useful life
- Overall condition
Photos are taken to document condition and materials.
Does the Inspector Walk on the Roof?
It depends.
If the roof is safely accessible, the inspector may walk it. If it is too steep, fragile, or unsafe, they may inspect it from:
- The ladder edge
- The ground
- A drone (in some cases)
Safety always comes first.
What Happens If the Roof Is Too Old?
Insurance companies often have age guidelines.
If the roof is near the end of its life or shows significant wear, the insurance company may:
- Require replacement before issuing coverage
- Offer limited coverage
- Deny coverage
Even if the roof is not leaking, age alone can be a concern.
Is This the Same as a Wind Mitigation Inspection?
No.
A four-point inspection evaluates condition.
A wind mitigation inspection looks for wind-resistant features that may qualify you for insurance discounts.
They are two different reports.
How to Prepare Your Roof for a Four-Point Inspection
Before your appointment:
- Replace missing or damaged shingles
- Repair active leaks
- Remove debris from the roof
- Clear tree branches touching the roof
Small improvements can prevent delays with insurance approval.
Need a Four-Point Inspection in Florida?
If your insurance company is requesting a four-point inspection, make sure it is done properly and documented clearly.
Professional reporting helps avoid back-and-forth with underwriting.
📞 Call or text (941) 356-2311
✉️ Info@MrInspectorFL.com