A variety of insurance companies require an inspection report on one or more components of a home. The following are reporting forms currently in use.
Tower Hill Insurance
Regarding our position on PEX plumbing as I assisted in the development of our current UW guidelines for this plumbing material. Over the past couple years, due to our loss experience with this material, we have conducted extensive research and had many conversations with industry experts regarding PEX plumbing and the various types of fittings, installation methods and manufactures. Based on our understanding of both the benefits of this type of plumbing as well as the risks associated with some of the components/ installation methods, we developed the following guideline:
Year Built of Home is 2009 or Newer – PEX plumbing is acceptable.
Year Built of Home is Prior to 2009 – PEX plumbing is unacceptable unless there is a manifold installed with the PEX lines being run directly from the manifold to the fixture with no connections at any point in the line. This guideline allows you to write the newer homes that have PEX installed since the newer fittings and installation methods do not have the same concerns associated with them as the older fixtures/ methods while at the same time allows us to avoid writing the homes with PEX that have the increased likelihood of loss associated with them. However, unfortunately, we will be unable to accept a home with PEX plumbing that was built prior to 2009 unless we receive verification that it has the manifold/ direct line system as it is impossible to determine which fittings were used and/ or which installation method was use.
I hope that this better clarifies our guidelines regarding PEX plumbing and please feel free to contact me with any questions that you might have.
Kevin A. Miller
Product & Agency Management
Tower Hill Insurance Group, LLC
Phone/ Fax: 352-333-1298
In keeping with one of Florida NACHI goals of keep the Home Inspectors of Florida informed as to what is going on in our state, we have provided the following information. Below are the Citizen’s Roof Eligibilities as they apply to the Roof Condition Certification form.
M.N.Roof Covering Age
Shingle, built up tar and gravel, or other roof coverings that are over 25 years old and tile, slate, clay, concrete or metal roof coverings that are over 50 years old must be replaced / updated to be eligible for coverage (see exception below)*. Documentation of full roof replacement must be submitted with the application or prior to the policy renewal in which the roof covering exceeds the maximum age requirements outlined in the following table (not applicable to HO-4 and HO-6 risks).
Asphalt, Fiberglass, Composition, or Wood Shake Shingles; Built-up Tar and Gravel; or Other Roof Covering types Not Included Below
Over 25 Years Not Insurable*
Tile, Slate, Clay, Concrete or Metal
Over 50 Years Not Insurable*
*Exception: Risks that do not meet the roof replacement eligibility requirements above may be eligible for coverage by submitting acceptable documentation verifying the roof has at least 3 years remaining useful life (Refer to Properties to Be Submitted to Citizens for Review Prior to Binding). Risks that establish roof eligibility under this exception are not required to provide documentation of full roof replacement until the policy renewal period in which the remaining useful life of the roof covering falls below the 3-year eligibility threshold.
Acceptable documentation includes a copy of a completed roofing contract; a statement from a licensed roofing contractor showing estimated age; condition and remaining useful life; a completed Citizens Roof Condition Certification form; or other acceptable proof of remaining useful life.
For Mobile Homes
Over 25 Years Not Insurable*
NEW This revised Citizen's Roof Condition Certification form should be used as September 2012.