Roof Condition Certification
We perform Roof Condition Certification Inspections in Naples, Fort Myers Florida. We also perform the Roof Condition Certification Inspections in Cape Coral, Lehigh Acres, Marco Island and all of SWFLA.
Citizens insurance now requires Roof Condition Certification inspections or proof of roof replacement upon renewal for homes of certain ages.
John Kuczwanski of 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 $150.00 for most areas. Travel expenses may apply in outlying areas.
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