What Does a Citizens Roof Inspection Form Record?

What Does Citizens Roof Inspection Form Record?

What information do I need to provide on the Citizens roof inspection form?

Citizens Property Insurance Corporation has asked for a roof inspection report from me.

When I receive this request, it's likely because they're concerned about the age of your roof.

As Florida's state-created insurer of last resort, Citizens wants to ensure that homes in high-risk areas are properly protected against wind damage. This means they need accurate information about your roof's condition and age.

The roof report documents its current condition, including signs of leaks, prior repairs, or other issues that could affect the roof's integrity.

I take photographs of every slope and note any damage, as well as the type of covering material used on your roof.

If there's a county permit record for your home, I can use it to establish the roof's age. If not, I'll note that in my report.

The form records evidence of roof age and includes an estimate of remaining useful life based on its condition.

Citizens wants photographs: an overview, every slope, close-ups of any damage.

In addition to the roof report, Citizens may also ask me to complete their wind mitigation form (OIR-B1-1802). This document focuses on the features of your home that provide wind resistance.

The wind mitigation form records details about roofing materials, wall bracing, and door and window protection. I inspect these features and note their condition in my report.

When I submit my report to Citizens, it's about putting the facts on record. I document the condition and age of your roof with photographs and written evidence for Citizens' records.

Why Does Citizens Ask for a Roof Report?

Citizens Property Insurance Corporation is Florida's state-created insurer of last resort for homeowners who have been unable to obtain coverage in the voluntary market.

When I inspect an older roof, Citizens asks for a roof condition report on its own roof inspection form. This is because the carrier needs to understand the condition and age of the roof to assess risk.

The form records covering material, roof age with evidence, visible condition, prior repairs, and leak signs. I document these aspects based on my visual examination of the roof.

Citizens also wants photographs: an overview of the entire roof, every slope, and close-ups of any damage. These photos support the report's findings.

I establish age from the county permit record where one exists, and I note when I cannot determine it. My role is to inspect and report the facts about the roof, not to influence or advise on policy decisions.

Citizens decides what it accepts as proof of roof condition and age. As an inspector, my job is to provide evidence based on visible signs and documentation.

What's Required for Older Roofs in Florida?

For older roofs in Florida, Citizens Property Insurance Corporation requires a roof condition report on its own roof inspection form. This helps ensure that the carrier has accurate information about the roof.

I document covering material, roof age with evidence to support it, visible condition, prior repairs, and leak signs in my detailed report. I also note any damage or repairs done.

Citizens needs an estimate of remaining useful life based on roofing material type, its current condition, and any damage or repairs done. This helps the carrier understand the roof's overall condition.

To complete the form, Citizens requires photographs: an overview from a distance, every slope, and close-ups of any damage I take. The report focuses on the roof's condition, not its wind-resistance features.

The wind mitigation form (OIR-B1-1802) is separate and deals with wind-resistance features like roof-to-wall attachment and underlayment. It records credits that apply only when it's on file with the carrier.

I check the county permit record to establish the age of the roof, where one exists. If I cannot find this information, I note it in my report as part of my detailed assessment of the roof's condition.

Citizens decides what it accepts as evidence for roof age. As a credentialed home inspector, my job is to inspect and report on the roof's condition based on the facts.

What Information Is Recorded on the Form?

I document the type of covering material used on the roof for Citizens' assessment.

Visible signs of wear and tear are noted directly on the form by me as part of my detailed inspection report. When I inspect the roof, I identify prior repairs and record them in detail. This information helps Citizens assess the roof's condition and age.

Signs of leaks or water entry through the roof are found and recorded during my inspection. In addition to these details, I provide an estimate of the remaining useful life of the roof based on its condition.

I establish the roof's age from the county permit record when available. If no permit record exists, I note this in the report as well. This information is crucial for Citizens' assessment and decision-making process.

The form also requires photographs of the roof, including an overview, every slope, and close-ups of any damage found during my inspection. I describe the roof's condition on the form with evidence of prior repairs and signs of wear and tear. The report also notes any damage or leaks I observe during my inspection.

How Does Citizens Use This Data?

Citizens Property Insurance Corporation uses this data to make informed decisions about policyholder risks.

I document the condition of the covering material, including any signs of wear or damage, when I complete a roof inspection for Citizens.

The carrier's own form records wind mitigation credits that apply once it is on file with them.

This form is separate from the roof report and focuses on documenting features that help a roof resist high winds. For example, secure attachment to walls is crucial in hurricane-prone areas like Florida.

In addition to the wind mitigation form, Citizens wants photographs of the entire roof, including close-ups of every slope, to accompany the report. This visual documentation helps them assess the roof's condition more accurately.

I also establish the age of the roof using the county permit record where one exists. If this information cannot be determined, I note it in the report and explain why. Citizens decides what they accept as proof of age; my job is to provide accurate data.

What Kind of Photographs Are Needed?

When completing the roof inspection form for Citizens, photographs are an essential part of documenting the condition of your roof. I take clear photos of every slope of your roof.

Citizens requires a detailed record of the roof's condition. I provide this by taking close-up shots of any damage or defects that can be used to support my findings in the report.

An overview photo is also required, which shows the entire roof from a distance. This gives Citizens a sense of the overall condition of your roof and how it relates to its age.

I may take additional close-ups of any damage or defects, such as cracks in the roof membrane, missing shingles, or damaged underlayment. These photos help provide a clear picture of the issue at hand.

Citizens wants evidence of visible condition, prior repairs, and leak signs. I document these aspects through my photographs, including any signs of wear or deterioration on the roof's surface.

What Are Wind Mitigation Credits and 4-Point Reports?

The carrier's letter likely mentioned wind mitigation credits or a 4-point inspection report.

Citizens Property Insurance Corporation uses the Uniform Mitigation Verification Inspection Form (OIR-B1-1802) to evaluate wind-resistance features of a roof, including underlayment and roof-to-wall attachment. This form is separate from the roof condition report on its own form.

The carrier's own documents are used to determine wind mitigation credits, which apply only once they're on file. The 4-point report covers four systems: electrical, plumbing, HVAC, and roof.

Florida law requires homeowners' policies to have replacement cost coverage for roofs, but Citizens may ask for a roof age estimate. I establish age from the county permit record when one exists, and note when I cannot.

The carrier's documents are used to determine wind mitigation credits, which apply only once they're on file.

Which Form Records Condition, Age, and Damage?

The roof report is about condition.

When I inspect your roof, I document its covering material, visible signs of damage, and any leak spots. If there are prior repairs, I note them in the report. The report also includes an estimate of the remaining useful life of the roof based on its age and condition.

Citizens wants to see evidence that supports my findings about the roof's age. In some cases, this means looking at county permit records where they exist. If I cannot verify the age through these records, I say so in the report.

The form also records if there are any visible signs of damage or leaks on the roof. This can include missing shingles, rusted fasteners, or other issues that could affect the roof's performance.

In addition to documenting the roof's condition and age, I provide photographs as evidence. These photos should show an overview of the entire roof, each slope, and close-ups of any damage.

The report is not about wind resistance features, which are documented on a separate form called the wind mitigation form (OIR-B1-1802).

Who Can Complete a Roof Inspection Report?

I am a credentialed home inspector qualified to perform roof inspections in Florida. To complete a roof inspection report for Citizens, an individual must be credentialed by a state agency.

Florida regulations specify that a credentialed contractor, home inspector, architect, engineer, or building code inspector can conduct this inspection and complete the form. My credential number is on file with Citizens as part of their verification process.

I personally inspect roofs and complete reports for my clients. As a credentialed home inspector, I am qualified to provide this service. My inspections include documentation of roof age from county permit records where available.

A contractor may also be able to complete the report if they have the necessary qualifications and follow Florida regulations. They would need to ensure their credential number is on file with Citizens as well.

In any case, the person completing the report must accurately document the condition, age, and damage of the roof according to the carrier's requirements.

What Happens to the Form After Submission?

Once you submit the roof inspection form, it becomes part of your policy file at Citizens.

The carrier's own wind mitigation credits and 4-point report forms are used for their internal purposes.

After submission, I do not review or revise the report with the carrier; they decide what is acceptable.

You can verify that the form has been received by contacting Citizens directly.

• The completed form carries my licence number as a credentialed home inspector.
• My signature confirms the accuracy of the information recorded on the form.
• A photograph of every slope and any damage is attached to the report.
• The report includes an estimate of the roof's remaining useful life.
• I establish age from the county permit record where one exists, and state so when unable.
• The carrier decides what it accepts as proof of age.

The form remains part of your policy file at Citizens, a permanent record of your roof's condition.

A copy of the completed form is also kept on file with my company, Timothy Parks Roof Inspections, for future reference.

You can request a copy of the report from me at any time, and I will provide it to you.

How Does Citizens Decide What It Accepts?

I establish the roof's age by researching the county permit record where one exists. If I cannot find this information, I note that in my report.

Citizens Property Insurance Corporation reviews each submitted form to determine its acceptability for a premium adjustment. The carrier considers various factors when evaluating the report and photographs included with it.

The Uniform Mitigation Verification Inspection Form is published by the Florida Office of Insurance Regulation. This form includes guidelines for completing wind mitigation forms and roof inspection reports.

Citizens checks to ensure that any damage or issues noted are properly documented and photographed in the report. The carrier also verifies that my license number and signature appear on the form.

I do not have control over what information is accepted by Citizens. After submitting the report, I cannot influence the outcome of a premium adjustment based on its contents.

Citizens accepts reports from credentialed professionals who follow established guidelines for completing wind mitigation forms and roof inspection reports. This ensures that the carrier receives accurate and consistent information about each home's condition.

I include photographs of every slope, as well as close-ups of any damage or issues noted in my report. These visual records help Citizens evaluate the home's condition and make an informed decision about premium adjustments.

Citizens decides what it accepts based on its own criteria, which may change over time. I complete roof reports and wind mitigation forms according to established guidelines to ensure accuracy and compliance with carrier requirements. As a credentialed home inspector, I record age from county permit records where available, noting when it cannot be verified. The carrier decides what it accepts; I inspect and report on the condition of the roof.

Is the Inspector's Estimate of Remaining Life Valid?

The estimate of remaining useful life is crucial part of the roof inspection report. I determine this by evaluating the condition of covering material, including its age and any signs of damage.

I establish the age of roofing material from county permit record if one exists. If no such record exists, I note that it cannot be determined. This information is then recorded on form as part of my report.

The estimate assesses roof's condition at time of inspection. It takes into account factors such as wear and tear, damage from weather events, and any prior repairs or maintenance.

Citizens Property Insurance Corporation reviews this information to determine whether it meets their requirements for older roofs in Florida. However, I do not know what Citizens will accept - they decide based on provided information.

A professional roof inspection report is essential when dealing with insurance-related issues. I inspect and report on roof condition for homeowners dealing with non-renewal letters or roof-age questions from their carrier.

I establish age from county permit records where available; if not, I note that too. If you have questions about the process or need a roof inspection, contact me directly. I'll provide information on your specific situation and help with any related concerns. You may also reach out to me directly for further assistance.

These are the credentials I hold, listed as issued: Florida Building Contractor CBC059592, Florida Roofing Contractor CCC1327217, Florida Home Inspector HI4878.

The citizens roof report page explains how I schedule the visit and what I bring. If you would rather ask a question first, send me a request and I will call you back myself.

Common questions