Four-point inspection electrical repairs in Jacksonville

Citizens requires a four-point inspection for property owner, dwelling and mobile home applications on homes more than 20 years old, and most private carriers in Florida ask for one on the same houses. The electrical section is one of the four points. Citizens says hazards such as exposed wiring should be repaired before an application is submitted, which means the repairs come first and the policy second.

Call or send the form and get connected with an independent local electrical contractor who serves your area. Send the report; the contractor quotes against the findings, does the permitted work, and gives you the documentation the underwriter wants.

What the form asks

The Citizens sample form (Insp4pt) is the minimum an inspection report must cover. Its electrical section asks for:

• Main and second panel: circuit breaker or fuse, total amps, and whether the amperage is sufficient for current usage.
• Panel age, year last updated, and brand and model. This is where Federal Pacific, Zinsco, Sylvania and Challenger get written down.
• Wiring type: copper; NM, BX or conduit; cloth wiring; active knob-and-tube; branch-circuit aluminum wiring, with a description of its usage and, if single-strand, details of all remediation (COPALUM crimp or AlumiConn) with separate documentation.
• Hazards present: blowing fuses, tripping breakers, double taps, exposed wiring, unsafe wiring, and the general condition, satisfactory or unsatisfactory, with an explanation.
• Photos: the main panel with the interior door label, the panel with the cover off, and every hazard noted.

Repair or replacement, by finding

Most findings sort cleanly.

• Double taps, missing knockouts, an open junction box, a missing cover, exposed splices, a two-prong receptacle where a GFCI belongs: repairs, often on one visit.
• Tripping breakers or blowing fuses: diagnosis, then either a repair or, on a fuse panel or a declined brand, a replacement.
• A Federal Pacific, Zinsco, Sylvania or Challenger panel, or any panel with heat damage: replacement, permitted and inspected, with the surge protector the 2020 code adds.
• Aluminum branch wiring: remediation at every connection or a rewire, documented by the electrician.
• Active knob-and-tube or brittle cloth wiring: rewire of the affected circuits.
• "Amperage insufficient": a load calculation first; a service upgrade only if the numbers say so.

The paperwork

The underwriter wants the electrical permit, the passed final inspection, an invoice that names the work and the electrician's license number, and for aluminum the separate remediation documentation the form calls for. Ask the contractor for all of it before the last payment, and keep it with the policy. A re-inspection after the work is the insurer's call; the same inspector can update the form.