SB 4-D MILESTONEINSPECTION INSURANCE
THE INSPECTION THAT DETERMINES WHETHER YOUR BUILDING CAN STILL GET COVERAGE.
CARRIERS NOW REQUEST THE MILESTONE REPORT BEFORE THEY QUOTE.
Before SB 4-D, carriers relied on building age and general condition assessments. Now they have a formal structural evaluation performed by a licensed engineer. Buildings that pass with clean results maintain their current profile. Buildings with identified load-bearing deficiencies — spalling concrete, corroded rebar, compromised post-tension cables — face immediate underwriting consequences: higher premiums, structural exclusions, repair-deadline conditions, or declination.
The association's response to adverse findings determines the insurance trajectory. A documented remediation plan with contractor commitments and funding from the reserve study tells the underwriter the problem is being addressed. No plan tells the underwriter the building is deteriorating. Kelly Insurance Group coordinates inspection results with the Florida placement strategy so adverse findings become a remediation story, not a declination trigger.
SB 4-D MILESTONE — ANSWERED.
WHAT DOES SB 4-D REQUIRE?
Structural milestone inspections for 3+ story buildings at 30 years (25 years within 3 miles of coast). Licensed engineer or architect evaluates load-bearing structural integrity.
HOW DO RESULTS AFFECT INSURANCE?
Carriers request the report for underwriting. Clean results = current profile. Structural deficiencies = higher premiums, deductibles, restrictions, or declination until repaired.
WHAT IF THE ASSOCIATION FAILS?
Develop a repair plan and timeline. Some carriers continue with conditions. Others non-renew. Begin insurance marketing immediately after adverse results.
WHEN MUST THE INSPECTION BE COMPLETED?
Buildings at milestone age must complete by statutory deadline. Begin the process early to allow for follow-up. Don't wait until the deadline.
DOES THE MILESTONE REPLACE THE RESERVE STUDY?
No. Milestone evaluates structural integrity. Reserve study evaluates funding. Both required. Inspection identifies what needs repair. Reserve study determines if you can pay for it.
HOW SHOULD THE ASSOCIATION PREPARE?
Complete early, share results with carrier and broker immediately, develop remediation plan for findings, begin marketing 120 days before renewal if adverse, document all repair progress.
COORDINATE YOUR MILESTONE RESULTS WITH YOUR INSURANCE STRATEGY.
Kelly Insurance Group turns inspection findings into underwriting narratives that keep coverage in place. Since 1881.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.