---
title: "The Relationship Between the 4-Point Inspection and Your Roof"
url: https://stacklist.com/card/ce2dd7e9-dc63-4fff-9a0f-c16f73b189e0
source_url: "https://4-point.info/the-relationship-between-the-4-point-inspection-and-your-roof/"
stack: https://stacklist.com/c/places/stack/c6353f94-15b0-4e5e-936c-829f92211f13
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: "Florida (location), Senate Bill 2-D (event), Florida Legislature (organization), 4-Point Inspection (concept), 15-Year Roof Age Rule (concept), SWFL Home Inspector LLC (organization), Cape Coral (location), Southwest Florida (location)"
classification: "reference"
content_hash: "sha256:3751498ffd67dbce6b91b3f8ee7304fb6fc3d613a7a7cdb5267b3789a55e1f6b"
acp_version: "0.2"
token_counts_approximate: 428
visibility: public
agent_accessible: true
status: "final"
---

# The Relationship Between the 4-Point Inspection and Your Roof

Skip to content 4-Point Inspection Info 4-Point Inspection information for Cape Coral and all of Southwest Florida An informational resource brought to you by SWFL Home Inspector LLC The Relationship Between the 4-Point Inspection and Your Roof The Relationship Between the 4-Point Inspection and Your Roof Because the roof section of the 4-point inspection is the single most common source of coverage problems, it is worth understanding how Florida law intersects with the insurance industry’s approach to roof age. In 2022, the Florida Legislature passed Senate Bill 2-D during a special session focused on the state’s property insurance crisis. Among its provisions, SB 2-D established that insurance companies cannot refuse to issue or renew a homeowner’s policy solely because the roof is less than 15 years old. For roofs that are 15 years old or older, insurers must allow the homeowner to obtain an inspection — at the homeowner’s expense — before requiring a roof replacement as a condition of coverage. If that inspection, performed by an authorized inspector, shows that the roof has at least five years of remaining useful life, the insurer cannot refuse coverage based on roof age alone. This does not mean a roof over 15 years old will automatically be accepted. It means the insurer cannot use age as the sole reason for denial without allowing an inspection first. If the inspection reveals material deficiencies — deteriorated shingles, compromised decking, active leaks, soft spots — the carrier can still require repair or replacement as a condition of coverage. 4-Point Inspection Info © 2026 | SWFL Home Inspector LLC Home | Legal Disclaimer | Privacy Policy