My insurance company requested a Roof Condition Certification Form Inspection. What is Roof Cerification Form (RCF) Inspection?
After February 1, 2009, JUA (Joint Underwriting Association) now Citizens request a Roof Condition Certification Form (CIT RCF-1 1108). Citizens is introducing a new wind-only policy that includes new eligibility rules, coverages, and an enhanced policy-processing software system for agents. As a result, all current Citizens wind-only policy are being discontinued, and home owners must reapply for new wind-only coverage.
Are there special forms? Some insurance companies like Citizens have forms that may be used: Citizens Roof Condition Certification Form (CIT RCF-1 1108)
Can I Fill out the paper work myself? No. This form must be completed by one of the following:
I am buying a home. Can I use this as a less expensive pre-purchase inspection?
No. This type of inspection is not intended for use as a pre-sale or pre-purchase inspection. The RCF form is designed for insurance pursposes only. It will not contain the type of information you may need to make an informed decision for purchase.
Roof Conditions All roofs must be in good condition with no damage or visible signs of leak to be eligible for coverage. Additionally, all roofs, regardless of age, must have at least three (3) years of remaining useful life. The “Intent to Comply” exception may be allowed for roofs that do not have three (3) years of remaining useful life but have already entered into a contract to have the roof covering replaced. See below for more details on this exception.
Age of Roof Requirements Homes over 25 years old with a asphalt, fiberglass, composition or wood shake shingle, tar and gravel roofing (or others not specifically listed), and homes over 50 years old with tile, slate, clay, concrete, or metal roofing and mobile homes over 25 years old must have the roof replaced to be eligible for coverage. Please refer to the chart below for a list of acceptable documentation.
EXCEPTION – At Least 3 Years of Remaining Useful Life If the applicant/policyholder can provide proof demonstrating the roof has at least three (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 must be submitted unbound with the following documentation: – Signed contract from a licensed roofing contractor stating that the roof will be replaced within sixty (60) days of the requested effective date – Four (4) photos showing 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 sixty (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 completed The policy will be bound with the requested effective date once all documentation has been received. Once the roof replacement is completed, you must submit: – A “paid-in-full” receipt from the roofing contractor stating that the roof was replaced – Four (4) new photos of each roof slope (at roof level) and updated photos of the dwelling
