Homes that are 20 years or older often require a 4 Point Inspection before an insurance company will issue or renew a policy. Cobalt Inspection Services provides professional 4 Point Inspections in Cape Coral, Fort Myers, Punta Gorda, and nearby Florida areas, ensuring that older homes meet the safety and coverage requirements set by insurers.
Certified Master Inspector Justin Radtke brings years of construction and inspection experience to every evaluation, delivering accurate reports that help homeowners stay compliant and protected.
A 4 Point Inspection focuses on the four main systems that impact a home’s insurability and safety. This limited, visual assessment identifies the condition, age, and functionality of critical components to help insurers evaluate risk.
Each inspection includes a detailed review of:
Cobalt Inspection Services prepares each inspection report according to insurance carrier standards, complete with photos, system notes, and any recommendations needed for underwriting approval.
Insurance companies use 4 Point Inspections to assess the risk associated with older homes. By verifying that essential systems are in safe, working order, homeowners can secure or maintain coverage without delays.
Benefits of a professional inspection include:

With over two decades of experience in construction and nearly 10 years in home inspections, Justin Radtke understands what insurers look for in a 4 Point report. His inspections are efficient, detailed, and compliant with Florida insurance industry standards.
Cobalt Inspection Services provides accurate and compliant 4 Point Inspections across:
Cape Coral, Fort Myers, Fort Myers Beach, Punta Gorda, Bonita Springs, Sanibel Island, North Port, and Miromar Lakes.
Ensure your older home meets insurance requirements with a professional 4 Point Inspection from Cobalt Inspection Services Gain peace of mind knowing your major systems are safe, functional, and properly documented.
[Call (239) 205-0088] or [Contact Us] to schedule your 4 Point Inspection in Cape Coral, FL, or nearby communities.