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Certified Roof Condition Certification or RCF Inspections

We perform Roof Condition Certification Inspections in Pinellas, Hillsborough, and the surrounding Tampa Bay area of Florida. We also perform the Roof Condition Certification Inspections in Manatee, Bradenton, Sarasota, New Port Richey and most of West Central Florida.

Citizens insurance now requires Roof Condition Certification inspections or proof of roof replacement upon renewal for homes of certain ages.Citizens Insurance says “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 old 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.

Not just anyone can fill out the form. The inspector has to be qualified. Persons filling out the form illegally are committing a 3rd 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 require repairs, and then give you an estimate. Since we do not do any repairs, you know our inspection is 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 also have the wind mitigation 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 3 years of useful life remaining.

We perform Citizens Roof Condition Certification Inspections starting at $45.00 for most areas. Travel expenses may apply in outlying areas.

Roof Condition Cerification Form (RCF) Inspection - Citizens RCF-1 1108

My insurance company requested a Roof Condition Certification Form Inspection.

What is Roof Cerification Form (RCF) Inspection?

After February 1, 2009, JUA (Joint Underwriting Association) now Citizens request a Roof Condition Certification Form (CIT RCF-1 1108)

Citizens is introducing a new wind-only policy that includes new eligibility rules, coverages, and an enhanced policy-processing software system for agents. As a result, all current Citizens wind-only policy are being discontinued, and home owners must reapply for new wind-only coverage

What are they looking for in these reports?

As much as we really don't know what any insurance company needs or wants, this is our interpretation through experience only. They are generally looking for most systems in the Roof Condition Certification Form (CIT RCF-1 1108) to have been updated to current standards and are in good condition.

Forms. Are there special forms?

Some insurance companies like Citizens have forms that may be used : Citizens Roof Condition Certification Form (CIT RCF-1 1108)

Who can perform this type of inspection ?

Can I Fill out the paper work myself?

Usually a Licensed General, Building, Roofing Contractor, - Inspector, Engineer inspection and signature is required to certify homes of a certain age when required by most insurance companies.

I am buying a home. Can I use this as a less expensive pre purchase inspection?

No. This type of inspection is not intended for use as a pre sale or pre purchase comprehensive inspection. As it is geared for your insurance needs, It will not contain the type of information you may need to make an informed decision for purchase.

Roof Verification Documentation

For Personal Residential Wind-Only Policies

Citizens wants to make the roof verification process for Personal Residential Wind-Only (PR-W) policies as simple as possible. To achieve this goal, we have reviewed the documentation required to verify roof age and condition for eligibility purposes. In addition, we’ve expanded the list of Florida licensed/registered individuals approved to sign-off on the required documentation to include all of the following:

• Roofing Contractor

• Residential Contractor

• General Contractor

• Building Contractor

• Building Inspector over 50 years old with other roof coverings.

• Architect

• Engineer

• Building Code Official

Acceptable Age/Condition of Roof Documentation

Documentation is required for homes (including mobile homes) over 25 years old with shingle roofing materials and homes

call to schedule: 727-487-2878

Buyer Beware! Insurance Companies Cracking Down on Wrong Inspection License Types.

Citizens Single Personal Lines (SPL) Roof Conditions

All roofs must be in good condition with no damage or visible signs of leaks 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. Please see the underwriting manuals for each line of business for complete details.

Age of Roof Requirements

Homes over 25 years old with a shingle roof, homes over 50 years old with any other type of roof and mobile homes over 25 years old must have the roof replaced to be eligible for coverage. To assist policyholders, Citizens has created a Roof Condition Certification Form (CIT RCF-1 1108) which may be used to certify the eligibility of the roof. Other acceptable documentation includes a copy of a completed roofing contract or an inspection completed by a licensed roofing contractor, which contains the required information, found on form (If you have any questions, please contact your for assistance.

EXCEPTION – At Least 3 Years of Remaining Useful Life

If the applicant/policyholder can provide proof demonstrating the roof has at least 3 years of remaining useful life (regardless of the actual age of the roof) the application may be submitted unbound with the appropriate roof documentation for consideration. The documentation may be either a properly executed Roof Condition Certification Form (CIT RCF-1 1108) or a statement/inspection from a licensed roofing contractor, which contains the required information found on form (CIT RCF-1 1108).

EXCEPTION – Intent to Comply

If the applicant/policyholder has already entered into a contract to have the roof replaced, the application may be submitted unbound with the following documentation: • Signed contract from a licensed roofing contractor stating that the roof will be replaced within 60 days of the requested effective date • Photos of each roof slope which adequately represent the current roof condition (at roof level and in addition to the required dwelling photos) • Signed Roof Replacement Acknowledgement (CIT RRA-1) form indicating that if the roof is not replaced within 60 days of the requested effective date, the policy will be cancelled and the application may not be resubmitted until the full roof replacement has been made. The effective date will be determined once all documentation has been received. Once the roof replacement is completed, you must submit: • A “paid-in-full” receipt from roofer stating that the roof was replaced • Photos of each slope (at roof level) and updated photos of the dwelling

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