Get the insurer's written list of items and deadline, ask what proof of repair they accept, then get quotes from licensed trades and book permitted work. The most common fixes are a repipe for polybutylene plumbing, a panel replacement for Federal Pacific or Zinsco panels, and a roof replacement.
Do these four things this week
- Get the exact list. Ask your agent for the inspection report and the insurer's written reasons.
- Ask about the deadline and proof. Find out what date repairs must be done by and what evidence the insurer accepts: invoice, permit, photos, or a new inspection.
- Get quotes from licensed trades. Plumbing needs a licensed plumber, panels a licensed electrician, and roofs a licensed roofing contractor. Check licences on MyFloridaLicense.com.
- Book the work with permits. Permitted work is easier to prove to an insurer and to a future buyer.
Typical fixes and costs
| Flagged item | Fix | Typical cost (estimate) |
|---|---|---|
| Polybutylene pipes | Whole-house repipe | $4,000–$15,000 |
| Federal Pacific or Zinsco panel | Panel replacement | $2,000–$5,000 |
| Water heater over insurer age limit | Replace with pan and shutoff | $1,500–$4,000 |
| Roof at end of life | Replacement | $12,000–$35,000+ |
Planning estimates for Florida in 2026, not quotes.
Common questions
How long do I have to fix a failed 4-point item?
It depends on your insurer and your situation. A new policy usually won't be written until the items are fixed. For a renewal, the insurer's letter normally gives a deadline. Call your agent the same day to confirm.
Do I need a new 4-point inspection after repairs?
Usually, or the insurer asks for the contractor's invoice, permit and photos. Ask what proof they accept before work starts.
Can I get insurance while I fix it?
Sometimes, through another carrier or Citizens if you're eligible. A licensed agent can tell you your options.