A Roof Certification Inspection is an inspection performed at the request of Citizens Insurance or your insurance company through your insurance agent. The Roof Certification Inspection is typically requested by Citizens on homes which are 25 years and older. The reason Citizens and other insurers use 25 years as a benchmark for this type of inspection is based on the life expectancy of the average asphalt roof covering. While Citizens or your insurer knows the age of your home or the one you are about to purchase, they do not know if the roof covering has ever been updated. This is important as it will determine if the insurer will renew or write a new policy based on their insurability guidelines.
A Four-Point Inspection may be required by your insurance company prior to issuing a new policy or when renewing an existing policy on homes that are 30 years old or more. This inspection focuses on only the roof, electrical, plumbing and HVAC systems and covers far less in scope than a standard home inspection. The inspector will complete the inspection and submit a standardized report, along with any required documentation, to your insurance company. You should allow 30-60 minutes to complete this inspection. The homeowner does not need to be present for this inspection but a representative above the age of 18 must be present to allow access.
4 Point Inspection
A Wind Mitigation Inspection is performed to determine the ability of a home to withstand damage due to high winds and flying debris. Wind mitigation inspectors access risk factors including the home's location and then evaluate certain construction features that have been shown to reduce losses in hurricanes, such as reinforced concrete walls, a hip roof, impact resistant doors and windows, a wind rated garage door, gable end roof reinforcement, roof decking and roof to wall attachments, storm shutters and a secondary water resistant barrier. These wind resistant construction features are compiled on a Florida Standardized Insurance Form (1802 Report) along with supporting documentation which is submitted to your insurance company for the purpose of reducing your homeowner's insurance premium. The Law (Florida Statute 627.711) that requires your insurance company to provide you with discounts based on your submission of a Standardized Wind Mitigation Report can be downloaded from this page.You should allow the inspector 60-90 minutes to complete the inspection and because the Windstorm Report requires a signature, it is recommended that the homeowner be present.
Wind Mitigation Report