Roof Certifications

Why have the trained state licensed Certified Master Inspectors at Florida State Home Inspectors conduct your Citizens Roof Certification?

Because… We won’t try to sell you a new roof!

Many contractors use inspections as a marketing method to generate repair work. You can trust us to never offer to repair the homes we inspect. As a matter of fact, conducting inspections in Palm Beach and Broward Counties is our sole source of revenue.

citizents-logoCitizens Insurance Company is introducing a new wind-only insurance policy with stricter eligibility requirements. As a result, all current wind-only policies are being discontinued. Home owners must now qualify for the new wind-only insurance policy.

Citizens Insurance Company now requires a Roof Condition Certification (CIT RCF-1 1108) or proof of a roof replacement upon renewal for older Florida homes, based on the following criteria.

  • Homes over 25 year of age having roof surfaces constructed out of asphalt, fiberglass, composition or wood shake shingles.
  • Homes over 25 year of age having roof surfaces constructed out of tar and gravel roofing.
  • Homes over 50 years old with tile, slate, clay, concrete, or metal roofing.
  • Any type of roof installed on mobile homes over 25 years old.

If there is no finalized building permit for the roof replacement on file at the Authority Having Jurisdiction (commonly the county building department) the insured will be required to have a Roof Condition Certification inspection conducted upon renewal, or the insured may be denied homeowners insurance coverage.

Acceptable Roof Conditions:

All roofs must be in good condition with no damage including curled-missing shingles, or visible signs of leaking to be eligible for homeowners insurance coverage. Additionally, all roofs, regardless of age, must have at least three (3) years of useful life remaining.