Most Insurance Companies require a Four Point Inspection to be performed on a home before the home buyer/owner receive the Homeowner Insurance. 

A 4 Point Inspection needs to be performed by a Certified Inspector in the State of Florida and can not be done by the homeowners themselves.

All Four Point Inspections include the evaluation 

of the four main systems and components.

1. Electrical system: Insurance companies want to know the size of the electrical panels if there are any wiring defects and the dates of any update. 
2.  Air Conditioning System / Heating (HVAC): Insurance companies are interested in the date of installation, approximate remaining life, and if it is in working condition at the time of the inspection. 
3.  Plumbing: ​Insurance companies are looking for what type of pipes is being used, the conditions of the plumbing system (any leaks?), and in what year was updated. 
4.  Roof: ​The insurance companies want to know in what year the roof was built, how much longer the roof will protect the house, and in what condition is at the time of the inspection.