Roof Condition Report

Citizens Insurance Company requires a Roof Condition Certification (CIT RCF-1 1108) or proof of a roof replacement upon renewal for older Florida homes, based on the following criteria.

• Homes over 25 year of age having roof surfaces constructed out of asphalt, fiberglass, composition or wood shake shingles.
• Homes over 25 year of age having roof surfaces constructed out of tar and gravel roofing.
• Homes over 50 years old with tile, slate, clay, concrete, or metal roofing.
• Any type of roof installed on mobile homes over 25 years old.

If there is no finalized building permit for the roof replacement on file at the Authority Having Jurisdiction (commonly the county building department) the insured will be required to have a Roof Condition Certification inspection conducted upon renewal, or the insured may be denied homeowners insurance coverage.

Acceptable Roof Conditions:

All roofs must be in good condition with no damage including curled-missing shingles, or visible signs of leaking to be eligible for homeowners' insurance coverage. Additionally, all roofs, regardless of age, must have at least three (3) years of useful life