Wednesday, April 3, 2013

Verification Inspections for Roofs

Citizens Insurance now requires Roof Certification inspections or proof of roof replacement upon renewal of homes of certain ages.

All roofs must be in good condition with no damage or visible signs of leaks and a remaining life of 8+ years to be eligible for coverage with Citizens. In addition, specific “age of roof” requirements have been implemented. Roof eligibility does NOT apply to HW-4 and HW-6 policies. Shown below is better clarification of carrier details.

Age Requirements for Roof System
Both residential and manufactured homes over 25 years of age with fiberglass shingles and home over 50 years of age with other roof covering types must have the roof replaced to be eligible for coverage. To assist policyholders, Citizens Insurance has created a Roof Condition Certification Form (CIT RCF-1 1108) which may be used to certify the eligibility of the roof system. Permits from a municipality are also acceptable, so long as the replacement was completed by a licensed roofing contractor. SitePro is authorized by the State of Florida to provide roof certification forms to residents for discounts allowed by Florida Citizens Insurance.

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