Curated by
Jim Haney
Jim Haney of ERA ONETEAM, brings 30+ combined years in Jacksonville real estate and mortgage expertise. Born-and-raised local knowledge meets personalized, results-driven service for buyers, sellers, and investors, guiding clients through every step with honesty, integrity, and care.
stacklist.com/jim-haney
Jim Haney of ERA ONETEAM, brings 30+ combined years in Jacksonville real estate and mortgage expertise. Born-and-raised local knowledge meets personalized, results-driven service for buyers, sellers, and investors, guiding clients through every step with honesty, integrity, and care.
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The Relationship Between the 4-Point Inspection and Your Roof
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.
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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, 0.99) · Senate Bill 2-D (event, 0.95) · Florida Legislature (organization, 0.95) · 4-Point Inspection (concept, 0.97) · 15-Year Roof Age Rule (concept, 0.96) · SWFL Home Inspector LLC (organization, 0.9) · Cape Coral (location, 0.85) · Southwest Florida (location, 0.88)
Classification
reference · language en · status final
Provenance
claude-opus-4-6 via @stacklist/mcp-server@2.0.0, confidence 0.85, 23 Jul 2026