Most all insurance companies have become more and more hesitant to issue homeowner's insurance for aged homes (usually 20 years old or more). Their concerns are that there could be deficiencies in an older home that may become a liability, which is why you may need a Florida home inspector to complete a 4 point inspection on your home.
For example, a home with an older roof may leak or fail while insured and the homeowner may seek money from their insurance company for water damage inside the home. Other examples are the condition of the air conditioning and heating system, plumbing, or electricity. If these key components are in fair or poor condition or require being updated and replaced they may fail and cause water damage or even worse a major fire.
4 point home insurance inspections focus only on the 4 major systems of the home.
Air conditioning and heating system
WHY DO I NEED A 4 POINT INSPECTION?