Roof Verification Inspections Clearwater, St. Pete and Tampa

Citizen insurance now requires Roof Condition Certification inspections or proof of roof replacement upon renewal for homes of certain ages.

All roofs must be in good condition with no damage or visible signs of leaks to be eligible for coverage with Citizens. In addition, specific ‘age of roof’ requirements have been implemented. Roof eligibility does NOT apply to HW-4 and HW-6 policies. Please see the underwriting manuals for each line of business for complete details.

Age of Roof Requirements


Homes over 25 years old with a shingle roof, homes over 50 years old with any other type of roof and mobile homes over 25 years old must have the roof replaced to be eligible for coverage. To assist policyholders, Citizens has created a Roof Condition Certification Form (CIT RCF-1 1108) which may be used to certify the eligibility of the roof. Other acceptable documentation includes a copy of a completed roofing contract or an inspection completed by a licensed roofing contractor, which contains the required information or an inspection by a Licensed Home Inspector, found on form (CIT RCF-1 1108).

If you have any questions, please contact your Regional Underwriter for assistance.