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Stocks to watch, stocks to watch.#Stocks #to #watch


Is This Common Mistake Leading You to Financial Ruin?

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A Major Ominous Sign for Stocks

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Steve Sjuggerud Comments on Recent Hedge Fund Redemptions

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Ideas for investing in tech stocks

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Legal Notices: Stansberry Research LLC (Stansberry Research) is a publishing company and the indicators, strategies, reports, articles and all other features of our products are provided for informational and educational purposes only and should not be construed as personalized investment advice. Our recommendations and analysis are based on SEC filings, current events, interviews, corporate press releases, and what we’ve learned as financial journalists. It may contain errors and you shouldn’t make any investment decision based solely on what you read here. It’s your money and your responsibility.

Readers should be aware that trading stocks and all other financial instruments involves risk. Past performance is no guarantee of future results, and we make no representation that any customer will or is likely to achieve similar results.

Our testimonials are the words of real subscribers received in real letters, emails, and other feedback who have not been paid for their testimonials. Testimonials are printed under aliases to protect privacy, and edited for length. Their claims have not been independently verified or audited for accuracy. We do not know how much money was risked, what portion of their total portfolio was allocated, or how long they owned the security. We do not claim that the results experienced by such subscribers are typical and you will likely have different results.

Any performance results of our recommendations prepared by Stansberry Research are not based on actual trading of securities but are instead based on a hypothetical trading account. Hypothetical performance results have many inherent limitations. Your actual results may vary.

Stansberry Research expressly forbids its writers from having a financial interest in any security they recommend to our subscribers. And all Stansberry Research (and affiliated companies), employees, and agents must wait 24 hours after an initial trade recommendation is published on the Internet, or 72 hours after a direct mail publication is sent, before acting on that recommendation.


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Stocks To Watch: Top-Rated IPOs, Big Caps And Growth Stocks, Stock News – Stock

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Stocks To Buy And Watch: Top IPOs, Big And Small Caps, Growth Stocks

  • IBD STAFF
  • 11/10/2017

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X Autoplay: On | Off With thousands of publicly-traded companies to choose from, how can you quickly find the best stocks to buy right now?

A good starting point is to regularly review screens that highlight the top-rated equities, including the IBD 50 list of leading growth stocks, IPO Leaders, IBD Big Cap 20, Sector Leaders and Stock Spotlight. (Scroll down to see which names are currently on these screens.)

In addition to pass or fail ratings for the most important stock-picking criteria, within these lists you’ll also find chart analysis that identifies stocks currently in or near a buy zone.

IBD 50

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Individual stocks don’t operate in a vacuum. They’re significantly impacted by the current trends within the general market.

To stay both profitable and protected, be sure to follow an investing routine that tracks both the fundamental and technical strength of the stock and existing market conditions. That combination is key to long-term investing success.

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Will These 4 Consumer Stock Leaders Keep Bull Market Alive And Healthy?

11/10/2017 Don’t ignore consumer stocks. They’re well represented within the IBD 50 alongside tech, finance and internet.

11/10/2017 Don’t ignore consumer stocks. They’re well represented within the IBD.

Nvidia Muscles Higher On Third-Quarter Beat, Price-Target Hikes
S P 500 Falls On Tax Fears; Snap Crash Offsets Nvidia, Roku, M A Buzz: Week In Review
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Notice: Information contained herein is not and should not be construed as an offer, solicitation, or recommendation to buy or sell securities. The information has been obtained from sources we believe to be reliable; however no guarantee is made or implied with respect to its accuracy, timeliness, or completeness. Authors may own the stocks they discuss. The information and content are subject to change without notice.

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3 Marijuana Stocks To Watch In September – Marijuana Stocks, Cannabis Investments and News,

Marijuana Stocks

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Connect The Dots: CNRP Mining Inc. (CRPGF)

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3 Canadian Marijuana Stocks Moving Off Momentum

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This Marijuana Stock Adds $806 Million to Market Value

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Are You Digging These Cheap Marijuana Stocks?

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5 Marijuana Stocks that Will Benefit From Marijuana Becoming Legal in

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Tauriga Sciences, Inc. (TAUG) Enters into Confidential Settlement Agreement

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Lexaria Bioscience Corp. (LXRP) Files Innovative New Patent Application

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Future Farm Technologies Inc. (FFRMF) Continues to Build Augmented Reality Cannabis

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Reliq Health Technologies Inc. (RQHTF) Announces Receipt of Second Milestone Payment

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PotNetwork Holding, Inc. (POTN) Announces Distribution Partnership for Easy Grinder™

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Attorney General Sessions’ Obsession With Marijuana

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Florida Misses Deadline To Hand Out Marijuana Licenses

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Marijuana Field Test Are Ruled Unreliable By The Courts

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Cannabis Protection is Being Threatened By The Feds

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Will Hawaii Become The First State to Make Cashless Purchases For

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PotNetwork Holdings (POTN) Continues To Experience Record-Breaking Growth!

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Marijuana Stocks Top Articles Friday November 10, 2017

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3 Canadian Marijuana Stocks Moving Off Momentum

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DEA Plans To Grow Almost 1,000 Pounds Of Cannabis

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Marijuana Stocks Connect The Dots Feature Hits 52 Week High (Again)

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Connect The Dots: CNRP Mining Inc. (CRPGF)

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Novus Acquisition (NDEV) Expands Insurance Footprint in a Partnership with CannaLife

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Tetra Bio-Pharma Inc. (TBPMF) Hires Medical Science Liaison to Promote Rx

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Hurricane Maria leaves Medical Marijuana Underwater in Puerto Rico

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GB Sciences, Inc. (GBLX) Obtains Exclusive Worldwide License on a Time-Released

3 Marijuana Stocks To Watch In September

Stocks to watch

The forward progression and regulation in legal cannabis and marijuana stocks is driving the industry to new heights. It’s also allowing current marijuana stocks to battle through resistances levels as things such as expansion, higher quality marijuana goods, innovative product development are increasing in popularity with consumers worldwide. Here are three marijuana stocks that are taking their business to new heights in the industry: PotNetwork Holdings, Inc. (POTN), GT Biopharma, Inc. (OXISD) and 22nd Century Group, Inc. (XXII).

PotNetwork Holding, Inc. (POTN) has been striding in the industry through its subsidiary Diamond CBD. The company recently announced that its Q2 and year to date operating results and the company reported revenues of over $5 million for the first 6 months of fiscal 2017 and a net profit of $369,237. The company closed the first half of 2017 with a positive net cash flow of $395,009. The company also put out a recent press release stating they have engaged with a PCAOB registered CPA firm to audit its financials.

“We believe that the timing for this action is now. In consideration of the amount of momentum built up over the past 6 months, coupled with reported revenues of $5,077,625 for the first 6 months of fiscal 2017, the only logical next step was to initiate the auditing process, whereby the market can recognize the significance and legitimacy of the Company’s recent growth,” stated Gary Blum, Chief Executive Officer, PotNetwork Holding, Inc.

Since the beginning of May, (POTN) has seen a price per share increase of 257.64%. On May 4th the stock saw lows of $0.017, to Thursday’s (9/7) opening price of $0.0608.

GT Biopharma, Inc. (OXISD) announced on Thursday (9/7) that they have appointed a new Chief Medical Officer (CMO) to their executive team. The company appointed former Pfizer CMO/Vice President and Senior Director, Dr. Raymond Urbanksi. Dr. Urbanksi spent eight years with Pfizer and oversaw the company’s breast cancer products and a variety of other products.

Now we complete our executive management team with another world class executive in Dr. Raymond Urbanski as our new CMO. His expertise in oncology assets and quick-to-market 505(b)2 products is timely for GT Biopharma Inc. Ray s big pharma and biotech expertise is custom made for the assets of GT Biopharma. He will be instrumental in helping to guide our highly sought after oncology BiKE and TriKE platform technologies to commercial success. We are excited to have our Dream Team in place, Mr. Anthony Cataldo stated.

In the last two weeks of trading, (OXISD) has seen a price per share increase of 77.39%, from lows of $5.75 on Aug. 23rd to Thursday’s daily highs (9/7) of $10.20.

22nd Century Group, Inc. (XXII) is a plant biotechnology company that is focused on genetic engineering and plant breeding which permits the increase or decrease of the level of nicotine in tobacco plants and the level of cannabinoids in cannabis plants. The company’s main goal in marijuana is to develop a proprietary cannabis strain for new medicines and agriculture crops.

“More than $100 Million of independent research has demonstrated that 22nd Century’s proprietary Very Low Nicotine tobacco could save many millions of lives and will prevent future generations of young people from becoming addicted to cigarettes,” stated Henry Sicignano, III, President and Chief Executive Officer of 22nd Century Group. “22nd Century’s technology is proven. The FDA plan is already feasible. The time to implement a mandate of Very Low Nicotine tobacco in all combustible cigarettes sold in the United States has arrived.”

In the last month of trading, (XXII) has increased 70.80% from lows of $1.37 on July 26th to intra day highs during Thursday’s (9/7) trading session of $2.34.


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Stocks to watch, stocks to watch.#Stocks #to #watch


Is This Common Mistake Leading You to Financial Ruin?

Stop Letting Stress Ruin Your Financial Future

A Major Ominous Sign for Stocks

Stocks to watch

Press Room

Stocks to watch

Steve Sjuggerud Comments on Recent Hedge Fund Redemptions

Stocks to watch

Ideas for investing in tech stocks

Stocks to watch Stocks to watch Stocks to watch Stocks to watch

Legal Notices: Stansberry Research LLC (Stansberry Research) is a publishing company and the indicators, strategies, reports, articles and all other features of our products are provided for informational and educational purposes only and should not be construed as personalized investment advice. Our recommendations and analysis are based on SEC filings, current events, interviews, corporate press releases, and what we’ve learned as financial journalists. It may contain errors and you shouldn’t make any investment decision based solely on what you read here. It’s your money and your responsibility.

Readers should be aware that trading stocks and all other financial instruments involves risk. Past performance is no guarantee of future results, and we make no representation that any customer will or is likely to achieve similar results.

Our testimonials are the words of real subscribers received in real letters, emails, and other feedback who have not been paid for their testimonials. Testimonials are printed under aliases to protect privacy, and edited for length. Their claims have not been independently verified or audited for accuracy. We do not know how much money was risked, what portion of their total portfolio was allocated, or how long they owned the security. We do not claim that the results experienced by such subscribers are typical and you will likely have different results.

Any performance results of our recommendations prepared by Stansberry Research are not based on actual trading of securities but are instead based on a hypothetical trading account. Hypothetical performance results have many inherent limitations. Your actual results may vary.

Stansberry Research expressly forbids its writers from having a financial interest in any security they recommend to our subscribers. And all Stansberry Research (and affiliated companies), employees, and agents must wait 24 hours after an initial trade recommendation is published on the Internet, or 72 hours after a direct mail publication is sent, before acting on that recommendation.


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Penny Stocks to Watch for September 2016 (BGI) #online #business #systems


#penny stocks

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Penny Stocks to Watch for September 2016 (BGI)

Trading and investing in penny stocks requires special skills attuned to unique price action at the low-end of the market’s value spectrum. The SEC defines penny stocks as stocks that trade for less than $5, so when trading penny stocks, aggressive risk management is needed because many of these low-priced equities have descended from much higher levels for good reasons that include declining earnings, sector headwinds, and accounting blow-ups. (For further reading, see: How to Invest in Penny Stocks . )

That said, not all low-priced stocks are bad. It’s a different story for up-and-coming companies listed at low prices on national exchanges because they often go public with limited revenues, but excellent growth potential, or at least a bullish story that will attract healthy speculation. Even so, there are no guarantees they’ll prosper in the competitive marketplace so aggressive risk management is needed to avoid significant or unexpected losses. While low-priced stocks are risky, they can produce handsome yields. Below are five penny stocks to watch this September.

1. Birks Group Inc. ( BGI )

Montreal-based Birks Group Inc. (BGI ) sells jewelry and other luxury products through 26 retail outfits in Canada and the United States. This is an old company founded in 1879, but it just listed on the NYSE in 2006. A quick rally into 2007 posted an all-time high at 9.13, ahead of a steep plunge that finally came to rest at 20-cents in March 2009. A recovery wave into 2010 stalled above 2.00, yielding sideways action ahead of a successful test at the bear market low in February 2016.

The stock took off in a high volume rally after the company reported an unexpected profit in July, rising more than 300% in a single session and dropping into a consolidation pattern that just broke support at the .618 Fibonacci rally retracement at 2.20. On Balance Volume (OBV) indicates shareholders are hanging tough, raising odds for renewed buying interest when price nears the confluence of the rising 200-day exponential moving average(EMA ) and .786 retracement at 1.42.

2. MGT Capital Investments Inc. ( MGT )

MGT Capital Investments Inc. ( MGT ) develops mobile and online gaming technology. It came public in 2006 at 167 (post a 15 for 1 stock split in 2012) and entered an immediate downtrend that lasted for more than ten years, dropping the stock to 15-cents in January 2016. It ground sideways into May and took off in a vertical rally that added more than 5 points into a three-year high at 5.58.

A quick decline to 2.27 got bought, with that level offering support in the last three months. The sideways action has drawn the outline of a symmetrical triangle that could yield a fresh rally wave into double digits. The stock is now trading in the dead center of the pattern and needs to rally above the August 5 high at 3.74 to set a breakout into motion. A September 8 shareholder meeting could offer a catalyst for that buying wave.

3. Gold Standard Ventures Corp. ( GSV )

Canadian junior miner, Gold Standard Ventures Corp. (GSV ) ended a strong uptrend at 3.05 in May 2012 and entered a steep downtrend that finally ended at 26-cents in July 2015, well ahead of the December low posted by the gold futures contract. The subsequent uptick eased into a rising channel in November, with price gains continuing into July when dropped into a pullback that tested the 50-day EMA. Aggressive buyers emerged, lifting the stock 15-cents above the 2012 high, to 3.20 and its highest high since listing on the U.S. exchanges in 2010.

This level marks major resistance, predicting a consolidation period before a breakout drives the stock to much higher ground. Watch the rising 50-day EMA for buying interest just above 2.00, with that level now aligned closely with the August 10 gap between 1.96 and 2.06. It may take a gap fill to bring prospective shareholders off the sidelines.

4. Northern Dynasty Minerals Ltd. ( NAK )

Northern Dynasty Minerals Ltd. ( NAK ). also based in Vancouver, Canada has been listed on the NYSE since October 2003, when it came public at 2.83. A rally into 2007 posted a top at 15.61, ahead of a steep decline during the 2008 to 2009 bear market. It bottomed out at 1.69, with the bounce finally reaching 2007 resistance in 2012, ahead of a breakout that posted an all-time high at 21.76 in 2011.

The subsequent downtrend may have finally ended at 20-cents in January 2016, with price action since that time carving an Elliott 5-wave pattern that’s lifted price to a two-year high at 1.16. It’s been pulling back for the last week and could drop as low as the 50-day EMA, currently rising from 61-cents, before gathering the buying interest needed to test the high and start the next leg of the trend advance.

5. TOP Ships, Inc. ( TOPS )

Greek shipper, TOP Ships, Inc. (TOPS ) has struggled since coming public on U.S. exchanges in 2004, posting four reverse splits that now set its first-day value at an astounding 14238. It entered a massive downtrend just four months after public listing, falling to an all-time low at 13-cents in January 2016. It ground sideways into February and went vertical, rising from 21-cents to 3.00 in a single session, after completing another reverse split.

A sideways pattern gave way to an early August breakout above the March high at 4.44, with the stock rising above 8 and then reversing sharply. It’s now filling the August 1 gap, which is located just under the breakout level at 4.44. The 50-day EMA is rising toward falling price and could provide the support needed to generate a strong bounce that sets the stage for a rally into double digits.

The Bottom Line

The low-priced, penny stock universe includes both beaten down entries and newly-minted start-ups hoping to become the next Microsoft Corp. ( MSFT ) or Alphabet Inc. (GOOGL ). It’s important to keep in mind that secondary offerings, warrants. and other financing games pose a significant risk with stocks under $5.00. Since low revenues force many of these companies to issue stock repeatedly or enter sweetheart deals with big investors, who will get paid before public investors when the company finally grows, and the stock’s valuation expands. (For tips on how to avoid being scammed, read: The Risks and Rewards of Penny Stocks ). The most successful strategy at this end of the pricing spectrum treats each candidate according to its unique risk profile, taking extra care with new uptrends forced to navigate multiple resistance levels put into place by long downtrends. The above-mentioned stocks are key penny stocks to watch this fall.


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Stock Market Today – Stocks to Watch #best #small #business


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Stocks finished higher this week even as today s release of the August payrolls report did little to clarify the direction of monetary policy.

The S P 500 advanced 0.5% this week after rising 0.4% to 2,179.98 today. The Dow Jones Industrial Average rose 0.5% this week after advancing 72.66 points, or 0.4%, to 18,491.96 today. The Nasdaq Composite rallied 0.6% this week after gaining 0.4% to 5,249.90 today.

Today s August payrolls report was supposed to provide direction for the Federal Reserve and perhaps the market as well. It did not. Marketfield s Michael Shaoul explains:

By Ben Levisohn

Raymond James analyst Christopher Raymond and team say AbbVie (ABBV ) is not your father s biotech company as they initiate coverage with an Outperform rating:


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Harvard Health Subscriptions – Harvard Health #health, #information, #medical, #information, #health, #news, #health, #report,

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Get all four newsletters, plus more! Subscribe to Harvard Health Online for immediate access to health news and information from the doctors and experts at Harvard Medical School. Any time, day or night, you ll be able to research any health condition or disease, see what your symptoms could mean, research recent test results, read about the latest nutrition and fitness concepts. all from Harvard Learn more

Want to reduce pain in your knees and be more active? Eat smarter and reduce your risk for a heart attack? Improve your flexibility and balance so you don t fall? Sleep the entire night so you have more energy during the day? Take control of your health right now! In Harvard Health Letter, you ll find easy remedies and solutions to these common challenges and more. Learn more

Be on your way to a healthy heart. Subscribe to Harvard Heart Letter today. Each month, you ll get easy-to-try nutrition and exercise advice that will improve your heart s health and overall well-being. In Harvard Heart Letter you ll also read about today s breakthrough medications and treatments as well as advice from Harvard s doctors on side-effects, drug interactions Learn more

Reading Harvard Men s Health Watch each month is the simplest, easiest thing you can do to improve your health. In today s fast-paced, information-packed world, it s not always easy to do the right thing for yourself. But a few minutes each month with Harvard s physicians in the pages of Men s Health Watch can help you reduce your stress, lower your blood pressure, reduce Learn more

What s your most important health concern? Chances are, you ll find an article discussing it in a recent issue of Harvard Women s Health Watch. Are you at risk for heart disease? If you eat a balanced diet, are supplements necessary? Will new drugs help prevent breast cancer? Can simple exercises like stretching and walking have a noticeable impact on my health? Subscribe now for Learn more

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Gardasil Vaccine: One More Girl Dead #gardasil,hpv #vaccine,medicine #watch,videos


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Meredith Prohaska was 12 years old. Photo courtesy of WISN .

Health Impact News Editor Comments

The sudden death of a 12-year-old girl in Waukesha, Wisconsin, just hours after receiving the HPV Gardasil vaccine has shocked the girl s family, and sent local media out asking questions as to how this could happen. Here is a report from WISN 12 News.

Dr. Geoffrey Swain of the local health department was interviewed to give the standard CDC reply, which is similar to almost every other vaccine, stating that severe reactions like this resulting in death are very rare, and about 1 out of a million .

Assuming that there is some data to back up the claim of only 1 out of a million, how many doses of the HPV vaccine are administered every year? According to the latest statistics (July 2014) published by the U.S. Department of Health and Human Services here (page 7), over 9 million per year. So the government admits that at least 9 girls per year are killed by the HPV vaccine. How many parents know this prior to taking a doctor s advice to administer this vaccine that is supposedly a protection against cervical cancer caused by the human papillomavirus, a sexually transmitted disease ?

Apparently, when the news broke that 12-year-old Meredith Prohaska died after receiving the HPV vaccine, at least one other parent contacted a local news station in the area to report she also had a serious adverse reaction to the HPV vaccine with her 17-year-old daughter, who needed urgent care at a local hospital. The local news affiliate asked the question: So what are the odds another local girl had a similar reaction after getting the shot?

These local news media, possibly covering the HPV vaccine for the first time, were all quick to interview and provide links to the official CDC view of the vaccine. But here are some other facts regarding the vaccine that they failed to disclose, probably because they did not take the time to look outside of the standard government response to events like this, or their station managers did not allow them to give any other news outside of what the CDC claims.

1. There are many more reported side effects than just death from the HPV vaccine.

Premature menopause or infertility

Narcolepsy and Autoimmune Disorders

Guillain–Barré syndrome (GBS), stroke, venous thromboembolism (VTE), appendicitis, seizures, syncope (fainting), and allergic reactions.

2. Countries Outside the U.S. Are Halting HPV Vaccines: Lawsuits due to Damages are Mounting

3. You Cannot Sue the Manufacturer of Vaccines in the U.S. They have total legal immunity

Most of the U.S. public is unaware that a U.S. citizen, by law, cannot sue a pharmaceutical company for damages resulting from vaccines. Congress gave them total legal immunity in 1986, and that law was upheld by the U.S. Supreme Court in 2011. There is a special “vaccine court” called the National Vaccine Injury Compensation Program that is funded through a tax on vaccines. If you are injured or killed by a vaccine, you must hire an attorney and fight tax-funded government attorneys to seek damages, as you cannot sue the drug manufacturers. It can take 10 years or longer to win your case and be compensated. The U.S. Department of Health and Human Services usually publishes a report every couple months on settlements on their website. Here is the latest one .

4. The U.S. Government Earns Royalties from the sale of the Gardasil HPV Vaccine.

Dr. Eric Suba tried to use the Freedom of Information Act to find out how much money the National Institute of Health (NIH) earned from the sale of Gardasil. but they refused to report the amount of revenue the government earns from this vaccine (although not denying they do earn royalties). Did you know that the government earns royalties from the sale of the Gardasil vaccine? Does your doctor promoting the HPV vaccine know this?

5. Julie Gerberding was in charge of the CDC the years the FDA approved Gardasil as a vaccine and is now the president of Merck’s Vaccine division, a $5 billion dollar a year operation

Julie Gerberding was in charge of the CDC from 2002 to 2009, which includes the years the FDA approved Gardasil as a vaccine. Soon after she took over the CDC, she reportedly completely overhauled the agency’s organizational structure, and many of the CDC’s senior scientists and leaders either left or announced plans to leave. Some have claimed that almost all of the replacements Julie Gerberding appointed had ties to the vaccine industry .

Gerberding resigned from the CDC on January 20, 2009, and is now the president of Merck’s Vaccine division, a 5 billion dollar a year operation, and the supplier of the largest number of vaccines the CDC recommends (article here ).

6. Black Women who are Vaccinated with Gardasil are Vaccinated Against the Wrong Strains

Scientists at the Duke University School of Medicine discovered that African American women carry HPV strains not found in the Gardasil vaccine. Study here. Moshella Roberts, a 20-year-old African American woman died needlessly from the HPV vaccine.

Do your own research!

While it is encouraging to see local news affiliates report deaths and injuries due to the Gardasil vaccine, they need to do more research to present all of the facts, rather than just parroting what the CDC says. Of course to raise the issue of the Gardasil controversy could jeopardize your journalistic career, and force you into apologizing for suggesting the vaccine is anything but totally safe. Just ask Katie Couric .

In the meantime, do your own research before making any decisions on the Gardasil vaccine!

More info on the Gardasil HPV Vaccine .

Say NO to Mandatory Vaccines T-Shirt


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Four Point Insurance Inspections by Kross Inspectors #four #point, #wind #mitigation, #home #inspection, #real

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Four Point Insurance Inspections

Update from Citizens Insurance Effective 9/1/2012:

As the leader of the Home Inspection Industry in Florida, Kross Inspectors has performed thousands of Four Point Inspections which have been accepted by Citizens Insurance and many other Insurance companies when underwriting older homes. In this article, we will briefly review the requirements issued by Citizens Insurance for ALL new policy issues effective 9/1/2012 (these requirements will go into effect for renewing policies on 10/1/2012):

  • A Four Point Insurance Inspection MUST be submitted with all applications for homes more than 30 years old (Previously this requirement was for homes more than 50 years old.)
  • Updated Plumbing Rules; properties with the following conditions ARE NOT eligible for coverage with Citizens Insurance: Signs of active leaks or unrepaired water damage, plumbing systems not in good working order, and the presence of polybutylene plumbing.
  • Updated Electrical Rules: Requirements for remediation of aluminum branch circuit wiring have been added. Electrical service of less than 100 amps are NOT eligible for coverage (exceptions may be made for mobile homes under certain circumstances and additional review by an electrician).

HISTORY OF THE FOUR POINT INSURANCE INSPECTION:

The Four Point Insurance Inspection was created after Hurricane Andrew struck Florida in 1992. It is performed on behalf of the insurance companies and, typically, as a requirement for the insurer offering insurance to the new homeowner. After recent year’s barrage of hurricanes in Florida, the Four Point Insurance Inspection has taken on added importance. As insurance companies are beginning to see the benefit of the inspection, the program is spreading to other areas of the country. The benefit to the insurance company is, obviously, reduced loss risk on homeowners insurance policies. This is an area of business that has, for many years, been a money loser for insurance companies.

In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). This resulted in the creation of Citizens Property Insurance Corporation (Citizens), which more efficiently and effectively provides insurance to, and serves the needs of, homeowners in high risk areas and others who cannot find coverage in the open, private insurance market. It is funded by premiums paid by the insured and from other insurance companies paying into the program to reduce their overall losses.

The Four Point Insurance Inspection consists of a visual survey of the following four primary components:


  1. Roof
  2. Electrical
  3. HVAC System
  4. Plumbing

The insurance companies are expecting the condition of the components listed above to be working as intended within the manufacturer’s specifications. The criteria used to judge the components include:


  • Current operating conditions
  • Scheduled maintenance requirements
  • Expected service life

Not all insurance companies require a Four Point Insurance Inspection and most typically only require it of homes older than 20 years upon issuance or renewal of a homeowner’s insurance policy. Please consult with your Insurance Agent prior to ordering a Four Point Insurance Inspection.

Appointments available with only 24 hours notice. Please call (877) 496-4662 (staff available daily from 8am-8pm).

You may also complete the short form below to schedule your Four Point Insurance Inspection.


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