Florida’s home insurance market is unlike any other state in the country. After decades of hurricane losses, insurers in Florida became highly selective about which homes they cover — and at what premium. Citizens Insurance, Florida’s insurer of last resort, led the shift toward requiring proof of a home’s condition before issuing or renewing coverage.
The 4-Point Inspection was the result. Rather than insuring a home blind, carriers now require an independent assessment of the four systems most likely to generate a claim: the roof, electrical, plumbing, and HVAC. If those systems are in acceptable condition, coverage is issued. If they’re not, the homeowner has options — but they need to know the facts first.
At Prospex, we complete the standardized Citizens Insurance form accepted by all major Florida carriers and deliver it the same day as your inspection. No delays, no back-and-forth.
Certain problems come up repeatedly in the homes we inspect throughout Pasco, Pinellas, and Hillsborough counties:
Knowing what you’re working with before you need coverage is always better than finding out when an insurer declines a policy.
A 4-Point Inspection is not a pass/fail test — it’s a documentation of current conditions. What happens next depends on what’s found and which carrier you’re working with:
We document honestly. Our job is to give you and your insurer an accurate picture — not to tell you what you want to hear.
Most homes take about 2–3 hours depending on size, age, and condition. Larger or older homes can take longer.
Yes, if possible. We encourage you to arrive towards the end of your inspection window to walk you through major findings on site. If you can’t attend, your same-day digital report includes clear photos and summaries.
No. A home inspection is an objective condition assessment. We document issues, safety items, and maintenance needs so you can make informed decisions.
Specialty items like pools/spas, outbuildings, docks & seawalls, generators, etc can be added to the inspection.
Same day. Your interactive digital report is uploaded to your client portal for both you and your agent.
Yes—and this is the most common and cost-effective option. The Insurance Bundle combines both in a single appointment with two same-day Citizens-approved reports. See the Insurance Bundle
Fast 4-Point Inspections for Tampa Bay and Surrounding Areas.
New Port Richey, Holiday, Port Richey, Tarpon Springs, Trinity, Hudson, Palm Harbor, Odessa, Land O’ Lakes, Lutz, Safety Harbor, Clearwater, Oldsmar, Dunedin, Ozona, Citrus Park, Wesley Chapel, Town ’n’ Country, East Lake, Keystone.
