Citizens Roof Certifications
We also perform the Roof Condition Certification Inspections in Southwest Florida. Citizens Insurance now requires Roof Condition Certification Inspections or proof of roof replacement upon renewal for homes of certain ages.
According to John Kuczwanski, Citizens Insurance, “The roof is a major source of protection when there are high winds. If a roof is allowed to deteriorate, the entire home and all its contents and even the people inside are vulnerable to storm damage. Insurance is not meant to pay for property damage that is due to normal deterioration or lack of upkeep.”
Proof of roof replacement, or a Roof Condition Certification Inspection will be required for homes that are 25 years old and older if it has a shingle roof. Homes with tile or metal roofs, and mobile homes 50 years or older will also be required to have the Roof Condition Certification form filled out.
If there is no written proof, such as a signed off building permit, homeowners will be required to have a Roof Condition Certification Inspection or renewal may be denied.
Forms must be filled out by a qualified home inspector. Persons filling out the form illegally are committing a third degree felony.
Why use an inspector instead of a roofer?
Simple, inspectors do not have any conflicts of interest like a roofer may have. Some roofers may be tempted to recommend repairs, and then give you an estimate. Since we do not perform any repairs, you know our inspections are completely unbiased.
The Roof Condition Certification form is different from the Wind Mitigation Inspection form that is meant to lower your insurance rate. We strongly recommend that anyone having the roof inspection performed also have the wind mitigation conducted if you haven’t had one recently.
In order to pass the Roof Condition Certification, the roof must not leak, and must have at least three years of useful life remaining.