{"version":"1.0","type":"card","id":"25d324ec-b209-4d7c-8544-57d57544587e","url":"https://stacklist.com/card/25d324ec-b209-4d7c-8544-57d57544587e","title":"4 Point Home Inspections — What They Are and When Insurers Require Them","source_url":"https://boldcityhi.com/4-point-inspections/","note":"When buying an older home in Northeast Florida — typically 20 to 30 years or more — insurance companies will often require a 4-point inspection before issuing a policy. The inspection covers four systems: roof, plumbing, electrical, and HVAC, and its purpose is to confirm they meet minimum safety and functionality standards the insurer requires. It won't lower your premium, but it determines whether you can get coverage at all — and homes with aging roofs, knob-and-tube wiring, or polybutylene plumbing can fail, which derails a closing if discovered late. Getting the 4-point done early in the due diligence period protects buyers from surprises that show up only after they've waived other contingencies.\n","image":{"url":"https://ucarecdn.com/a097926a-97db-4bc6-bf34-44b4be3a7a47/","alt":"4 Point Home Inspections — What They Are and When Insurers Require Them","width":4160,"height":6240},"stack":{"id":"8f1d05d1-5979-4069-bc55-2a1d0760ee44","title":"What Home Buyers in Northeast Florida Need to Know","url":"https://stacklist.com/stack/8f1d05d1-5979-4069-bc55-2a1d0760ee44"},"created_at":"2026-06-01T14:34:13.071Z","updated_at":null,"aco":{"summary":"4-Point Home Inspections provide insurance inspections for residential properties in Jacksonville, FL and surrounding areas. This service helps homeowners assess property safety and meet insurance requirements.","tags":["home-inspection","insurance","safety","jacksonville","4-point-inspection","property-inspection"],"key_entities":[{"name":"Jacksonville, FL","type":"location","confidence":0.95},{"name":"4-Point Inspection","type":"concept","confidence":0.92},{"name":"Home Safety","type":"concept","confidence":0.88},{"name":"Insurance Inspection","type":"concept","confidence":0.9}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-haiku-4-5","tool":"@stacklist/be@0.1.0","confidence":0.85,"timestamp":"2026-06-01T14:34:17.638Z"},"token_counts":{"approximate":27,"cl100k":16},"content_hash":"sha256:21e2d9e522216a5ab629201a51ef86dc9ceca6c22179e44b1dacf779fb3f60d3","acp_version":"0.2","body_available":true,"body_tokens":27,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/25d324ec-b209-4d7c-8544-57d57544587e.json","html":"https://stacklist.com/card/25d324ec-b209-4d7c-8544-57d57544587e","md":"/api/public/card/25d324ec-b209-4d7c-8544-57d57544587e.md","stack_json":"/api/public/stack/8f1d05d1-5979-4069-bc55-2a1d0760ee44.json"}}