Not all homes, but ones with an older roof will need a roof inspection by a licensed home inspector or roofer to renew or get new homeowner’s insurance. Citizen’s Insurance of Florida requires a roof inspection report that verifies at least three years of remaining life for homes with shingle or similar roofs that are older than 25 years. Tile, slate, clay, concrete, or metal roofs do not need inspection until over 50 years old. Verification that the roof has recently been replaced is also acceptable, and providing a copy of a closed roofing permit for the home is one way to do it.
Here is how Citizens Insurance states their policy for requiring inspection of older roofs:
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Here’s links to a collection of our other blog posts about INSURANCE:
* Could faulty work or lack of a building permit for home improvements cause an insurance company to deny a claim?
• Why is a fuse box/panel an insurance problem for homebuyers?
• How is Citizens Property Insurance different from other Florida homeowners insurance companies?
• Do I need a home inspection to get insurance?
• Is the 4-point insurance inspection strictly pass or fail?
• Which building permit date is used for the Building Code section of the wind mitigation form?
• What are the different roof deck attachment discount categories for a wind mitigation inspection?
• What determines the year of a house?
• What is the difference between a toe nail, clip, single wrap, and double wrap for the wind mitigation form?
• Should I give a copy of the home inspection report to the bank or insurance company?
• How do I get my home ready for a four point inspection for insurance?
• Can I do my own wind mitigation inspection?
• Will a house without air conditioning pass a 4 point inspection?
• What’s the difference between a gable and hip roof for my insurance?
• Why does my homeowner's insurance want a four point inspection?
• What is the wind mitigation inspection for homeowner's insurance?
• Which water pipes are an insurance problem and possibly uninsurable?
• Why does my homeowner's insurance want a roof inspection?
• Is it common for an insurance company to require an inspection?
• How do I get insurance if my home can't pass a 4-point inspection?
Visit our ROOF AND ATTIC and INSURANCE pages for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.