4-point checklist · Common deal killers · County permit rules · ROI repairs
4-Point Inspection · Citizens Insurance · FL Real Estate · Pre-Listing Plumbing| Plumbing Issue | 4-Point Result | Insurance Impact |
|---|---|---|
| Polybutylene supply pipe | Fail — flagged | Policy denial or non-renewal |
| Galvanized supply (active corrosion) | Fail — flagged | Surcharge or denial |
| Cast iron drain (cracked/failing) | Fail — flagged | Required repair within 30 days |
| Water heater >10 years | Noted — not fail | Surcharge; >15 yrs = possible denial |
| Active leak at supply / drain | Fail — flagged | Policy suspended until repaired |
| Copper supply (good condition) | Pass | No surcharge |
| PVC drain (good condition) | Pass | No surcharge |
| PEX supply (permitted) | Pass | No surcharge |
| Missing P-trap under sink | Noted | No insurance impact but buyer concern |
| No water shutoff at fixtures | Noted | No insurance impact but noted |
| Condition | Must Disclose? | Notes |
|---|---|---|
| Known active leak (any location) | Yes — required | Past or present leaks must be disclosed |
| Prior slab leak (repaired) | Yes — required | Include repair method and contractor |
| Polybutylene pipe (if known) | Yes — required | Material defect affecting insurability |
| Known cast iron failure | Yes — required | Document camera inspection if done |
| Water heater age | Recommended | Appears on 4-point form anyway |
| Unpermitted plumbing work | Yes — required | FS §553.84 liability for non-disclosure |
| Septic system issues | Yes — required | FL requires septic disclosure FS §381.0065 |
| Well water (if applicable) | Yes — required | Water quality test results should be available |
Built for Florida homes - accounting for Florida's hard water, hurricane-season demands, humidity, coastal corrosion, private well water, and county permitting.
Serving Palm Beach County & Florida - get matched with a licensed plumber
On this page, Florida plumbing presale inspection estimates run about $10,000-$20,000, depending on home size, materials, and project scope. Use the calculator above for a Florida-specific estimate.
Pricing depends on the size and layout of your home, the pipe materials and fixtures you choose, your Florida region and local labor rates, and permit fees. Work that is more complex or harder to access generally costs more.
In Florida, minor maintenance may be DIY, but anything beyond that generally calls for a licensed plumber, and many jobs require a permit and inspection. When a permit, gas work, or your main water or drain lines are involved, hire a Florida-licensed plumber.
It depends on the cause and your specific policy. Sudden, accidental damage is more often covered than gradual wear-and-tear or maintenance - confirm the details with your insurer.
Timelines depend on scope - many routine jobs take a few hours to a day, while larger projects run longer. Your licensed plumber can confirm after assessing your home.
Planning estimate, not a quote — confirm with a licensed Florida plumber. Confidence is qualitative: ranges reflect this page’s Florida assumptions, not a guaranteed price.
Estimates on this page are Florida-specific and reflect Plumbing Presale Inspection for typical Florida homes.
From this page: On this page, Florida plumbing presale inspection estimates run about $10,000-$20,000, depending on home size, materials, and project scope. Use the calculator above for a Florida-specific estimate.
Your actual cost depends on your home's condition, layout, and local labor and permit rates.
From this page: Pricing depends on the size and layout of your home, the pipe materials and fixtures you choose, your Florida region and local labor rates, and permit fees. Work that is more complex or harder to access generally costs more.
Generally raises cost: harder access, older homes, added permits and inspections, premium fixtures or materials, and emergency or after-hours work.
Generally lowers cost: easy access, bundling several items in one visit, standard fixtures, and off-peak scheduling.
Curated Florida tools and resources related to this page.
Last reviewed: July 1, 2026 (US Eastern)
Reviewed by the FL Plumbing Tools editorial team.
Sources: Florida plumbing cost research and Florida Building Code / local authority-having-jurisdiction (AHJ) permit references.
Florida reference: Estimates and guidance reflect Florida labor rates, permitting, hard water, humidity, and coastal conditions.
Updates: Reviewed periodically and updated as Florida codes, permit fees, and market rates change.