Wind Mitigation Inspection - Windstorm Insurance Certification

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

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

 
 

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 (CIT RCF-1 1108). If you have any questions, please contact your Regional Underwriter 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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Citizens Roof Condition Certification Form

 

 

Roof Condition Certification Form

CIT RCF-1 11 08

APPLICANT/INSURED NAME:__________________________APPLICATION/POLICY #:_______________

ADDRESS INSPECTED:___________________________________________________________________

DATE OF INSPECTION:_________________

This form is provided to assist you in complying with certain Citizens eligibility rules. The following “qualified

inspectors” may complete the form:

• A Florida licensed general, residential, building, or roofing contractor;

• A licensed building inspector;

• A registered architect;

• An engineer in the State of Florida; or

• A building code official (who is duly authorized by the State of Florida or its county's municipalities

to verify building code compliance).

(Note: This form does not verify loss mitigation features. Use Uniform Mitigation Verification Form, OIR-B1-

1802.)

Certification Information

Roof Covering: ______________ Approximate remaining useful life of the roof: __________

Age of roof (in years): _________________ Date last updated? _______________________________

What, if any, updates were completed? Full Replacement Partial Replacement

Are there any visible signs of damage/deterioration (such as curling/lifted/loose/missing shingles or tiles,

sagging or uneven roof deck, etc.)? Yes No. If yes, explain________________________________

Are there any visible signs of leaks? Yes No. If yes, explain______________________________

Two photos representing the roof’s condition are required to be submitted with this form.

Florida Fraud Statement

Any person who knowingly and with the intent to injure, defraud, or deceive any insurer, files a statement of

claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the

third degree.

_____________________________ __________________

Inspector Name (printed) Telephone Number

_____________________________ __________________ _______________ ________

Signature of Inspector License Type License Number Date

 

 

Roof Verification Documentation

For Personal Residential Wind-Only Policies

 

call to schedule:      786-282-9031

 

 

 

 
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Ray Sanchez
Allview Property Inspections
Phone number: (786)282-9031