Roof Condition Certification Form Inspection
Setup Roof Condition Certification Form Inspection appointment online
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.
Citizens Single Personal Lines (SPL) Roof Conditions
Citizens has specific requirements for all personal residential structures under the wind-only program. Identified below are the requirements. 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.
Roof Conditions
All roofs must be in good condition with no damage or visible signs of leak to be eligible for coverage. Additionally, all roofs, regardless of age, must have at least three (3) years of remaining useful life.
The "Intent to Comply" exception may be allowed for roofs that do not have three (3) years of remaining useful life but have already entered into a contract to have the roof covering replaced. See below for more details on this exception.
Age of Roof Requirements
Homes over 25 years old with a asphalt, fiberglass, composition or wood shake shingle, tar and gravel roofing (or others not specifically listed), and homes over 50 years old with tile, slate, clay, concrete, or metal roofing and mobile homes over 25 years old must have the roof replaced to be eligible for coverage. Please refer to the chart below for a list of acceptable documentation.
| Document Type | Comments |
|---|---|
| Receipts | Receipts must have the company logo, date of replacement and clearly state the entire roof was replaced. |
| Roof Condition Certification Form (CIT RCF-1 1108) | Must be completely filled out and signed by an acceptable individual (see below), as well as be accompanied by two photos showing the roof's condition. |
| Completed Roofing Contract | A completed roofing contract should state Paid in Full with the completion date of the roof and must indicate total replacement of the roof. |
| Statement/Inspection | Must be completed by an acceptable individual (see below), be on their letterhead and must include all the information requested on the Roof Condition Certification Form. |
| 4 Point Inspection | Must be completely filled out and signed by an acceptable individual (see below) |
| Uniform Mitigation Verification Affidavit (OIR-B1-1802 or WBDR-1802) | Must be completely filled out and signed by an acceptable individual (see below). Affidavits signed by a Wind Certified Entity (WCE) are not acceptable for age or condition of roof documentation. |
This documentation can be provided by any of the following individuals; however, underwriting
will verify the status of their license:
- Florida Licensed Roofing Contractor
- Florida Residential Contractor
- Florida Licensed General Contractor
- Florida Licensed Building Contractor
- Florida Licensed Building Inspector
- Florida Registered Architect
- Florida Engineer (who must have passed the appropriate equivalency test of the Building
Code Training Program as required by Section 553.841, Florida Statutes)
- Florida Building Code Official
EXCEPTION - At Least 3 Years of Remaining Useful Life
If the applicant/policyholder can provide proof demonstrating the roof has at least three (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 must be submitted unbound with the following documentation:
- Signed contract from a licensed roofing contractor stating that the roof will be replaced within sixty (60) days of the requested effective date
- Four (4) photos showing 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 sixty (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 completed
The policy will be bound with the requested effective date once all documentation has been received.
Once the roof replacement is completed, you must submit:
- A "paid-in-full" receipt from the roofing contractor stating that the roof was replaced
- Four (4) new photos of each roof slope (at roof level) and updated photos of the dwelling
