Windstorm Mitigation Inspection

A Windstorm Mitigation Inspection consist of-

1. 1. Roof Covering – Does it meet the 2001 Florida Building Code
2. 2. Roof Deck Attachment – Nail Size, spacing and deck size
3. 3. Roof to Wall Attachment – Toe Nail, Clips, Hurricane Straps
4. 4. Roof Geometry – Hip or Gable
5. 5. Wall Construction – Wood Frame, Reinforced Masonry
6. 6. Secondary Water Resistance – Protective film sprayed inside of roof sheathing
7. 7. Opening Protection – Hurricane Shutters

Cost – $125

Please note: We guarantee the wind mitigation will save you at least the cost of the inspection on your first years premium or we will refund the difference up to the full cost of the inspection.

4-Point Inspection

A four-point Inspection is often required when obtaining a new homeowners insurance policy or renewing an existing policy. This 4-point insurance inspection includes a limited scope evaluation of the following four systems:

1. roofing

2. electrical

3. heating-air conditioning

4. plumbing

The focus of the inspection is to determine the approximate age, components, and general condition of these systems. Note: this type of insurance inspection should not be confused with a “standard home inspection” which is more comprehensive in regards to both detail and scope.

The Insurance company will typically require that the inspections be performed by suitably licensed and qualified persons. All of our 4-point inspections are performed by a NACHI certified home inspector.

Of course, there are many insurance companies and inspection requirements can vary and change at any time. You should consult with your insurance provider concerning any specific requirements.

Cost – $105

Roof Condition Certification

Description from Citizens-

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

Cost – $60