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.
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4-16-2011
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 recently contacted Citizens Insurance just to get some follow up information on their current forms. As Citizens moves into the next phase of their Re-inspection program and other initiatives planned, they will be looking at all of their current mitigation/eligibility forms inclusive of the introduction of a Citizens four-point inspection form. Until they make a formal announcement Home Inspectors can continue to submit the InterNACHI form. They are currently in a transition period, as a new Vice President of Underwriting is coming on board shortly. 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).
Roof Eligibility
Roof Covering
Age
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
Roof Eligibility
Roof Covering
Age
All Types
Over 25 Years Not Insurable*
Roof Inspections
NEW
This revised Citizen's Roof Condition Certification form should be used as February 2011.
A four-point inspection consists of a visual and/or operational test of the air-conditioning, heating, plumbing, roof covering, and electrical.
InterNACHI has had this form approved by citizens insurance company and is accepted by most others.
Citizens Property and Casualty Insurance has a new requirement as January 1, 2011.
Citizens require InterNACHI membership ID number and the Inspector's State of Florida Home Inspector's license number. You will be required to sign your Four Point Inspection form, provide your InterNACHI ID number and your Florida Home Inspector's license number for the Four Point report to be accepted by Citizens.
More insurance companies want the following photos:
Font and rear of home
Electrical panel with door open
Washing machine plumbing (hoses and stops)
Water heater pressure relief valve
Plumbing under all sinks (kitchen, bathroom, utility, garage, etc)
