{"version":"1.0","type":"card","id":"ce2dd7e9-dc63-4fff-9a0f-c16f73b189e0","url":"https://stacklist.com/card/ce2dd7e9-dc63-4fff-9a0f-c16f73b189e0","title":"The Relationship Between the 4-Point Inspection and Your Roof","source_url":"https://4-point.info/the-relationship-between-the-4-point-inspection-and-your-roof/","note":"This page explains the significance of the roof section in the 4-point inspection, highlighting its role as a common source of coverage issues in Florida. It also discusses the impact of Florida law and recent legislation on the insurance industry's approach to roof age.","image":{"url":"https://ucarecdn.com/fbd077d9-6ac1-48c6-ae40-ecec66a7deb5/","alt":"The Relationship Between the 4-Point Inspection and Your Roof","width":1080,"height":1080},"stack":{"id":"c6353f94-15b0-4e5e-936c-829f92211f13","title":"Home Inspections & What Jacksonville Buyers Should Know","url":"https://stacklist.com/c/places/stack/c6353f94-15b0-4e5e-936c-829f92211f13"},"created_at":"2026-07-23T03:44:21.058Z","updated_at":null,"aco":{"summary":"Florida's 15-year roof age rule, established by Senate Bill 2-D in 2022, prevents insurers from denying homeowner coverage solely based on roof age if the roof is under 15 years old, and requires insurers to allow an inspection for older roofs before mandating replacement. The rule does not guarantee acceptance of older roofs, as insurers can still require repairs if material deficiencies are found during inspection.","tags":["florida-roof-rule","4-point-inspection","homeowners-insurance","roof-age","property-insurance","senate-bill-2d","coverage-requirements"],"key_entities":[{"name":"Florida","type":"location","confidence":0.99},{"name":"Senate Bill 2-D","type":"event","confidence":0.95},{"name":"Florida Legislature","type":"organization","confidence":0.95},{"name":"4-Point Inspection","type":"concept","confidence":0.97},{"name":"15-Year Roof Age Rule","type":"concept","confidence":0.96},{"name":"SWFL Home Inspector LLC","type":"organization","confidence":0.9},{"name":"Cape Coral","type":"location","confidence":0.85},{"name":"Southwest Florida","type":"location","confidence":0.88}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-07-23T03:44:29.996Z"},"token_counts":{"approximate":428,"cl100k":337},"content_hash":"sha256:3751498ffd67dbce6b91b3f8ee7304fb6fc3d613a7a7cdb5267b3789a55e1f6b","acp_version":"0.2","body_available":true,"body_tokens":428,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/ce2dd7e9-dc63-4fff-9a0f-c16f73b189e0.json","html":"https://stacklist.com/card/ce2dd7e9-dc63-4fff-9a0f-c16f73b189e0","md":"/api/public/card/ce2dd7e9-dc63-4fff-9a0f-c16f73b189e0.md","stack_json":"/api/public/stack/c6353f94-15b0-4e5e-936c-829f92211f13.json"}}