What Is A Roof Certification Form
A roof certification form is a written report from a Florida-licensed professional on the condition of your roof. In this condition certification form, the licensed professional will inspect the condition of the roof and give you a report on their findings, along with photos, that you are then able to give to your insurance company.
In order for you to renew your homeowners insurance here in Florida, you will need to have your roof inspected. The insurance company will send you a letter requesting that your roof be inspected by a qualified roofing contractor.
William L Hogue & Associates
Please accept this letter as an unequivocal recommendation for NRCIA. It has been my extreme pleasure to know them for five years. I initially became acquainted with them by enrolling in, and completing the National Roof Certification and Inspection Association online coursesFollowing the course completion and introductory phone call, I flew down to Southern California to meet them in person. After completing a roof inspection together, they took the time to engage me on a personal level to explain the development of the business and his vision for success in the future. They were very patient with me over the next few months as they guided me through the online inspection program and its attendant possibilities for business growth. Over the past five years, I have never experienced a time when I could not easily access them personally and receive the assistance I needed to provide their product to my customer. I have recommended, and will continue to recommend fellow contractors to become part of the NRCIA team. My confidence in doing so is directly related to the solid business model and fair dealings I receive from NRCIA.
What An Insurance Company Looks For
Based on the information provided by the home inspector, the insurance company will decide next steps.
An insurance agent will want 3 to 5 years of life left in the roofing system! If the home inspector reports less than 3-5 years life left, the insurance company will more than likely ask for replacement.
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Where Do I Get A Roof Condition Certification
In order for someone to provide you with a roof certification, they must be a Florida-licensed professional. Below is a list of individuals who fall under that category. But keep in mind, there is an advantage to having a roofing company do the inspection because they are able to address any repairs necessary, right away, before providing you with the certification.
The approved licensed inspectors are:
- General, residential, building or roofing contractor.
- Building code inspector.
- Building code official who is authorised by the state of florida to verify building code compliance.
- Florida licensed home inspector.
Choosing to have a roofing contractor inspect your roof is the recommended method since we are able to repair your roof if needed.
Should You Get A Roof Certification
Ive gone through the roof certification process to get past a loan approval issue. What I found is that many highly-reputable roofers will not even issue certifications. That should give you a pretty clear indication of how much confidence such a certification will give you. Some roofers will certify a roof, but do so with a thorough inspection so they arent guaranteeing something that is bound to leak soon. Yet other roofers will certify anything, provided you pay the a few hundred bucks for the report and let them do some minor repairs.
A roof certification can be a useful tool that a seller and buyer use to get a home through closing, but the warranty that they provide is pretty much a bunch of hooey. Buyers need to recognize that it doesnt change the fact that the roof is worn and in need of replacement. Sellers also need to recognize that it doesnt improve the product that they are selling, and they still need to price the home accordingly, given the condition of the roof.
Roof replacement is always a better option than roof certification, provided you can make the economics work.
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What Is A Roof Certification
If you are in the market to sell or buy a home, you are probably familiar with the term “inspection.” But did you know that a typical home inspection doesnt include one of the most important factors buyers should be looking for? That factor is none other than a roof certification.
The safety and stability of a homes roof is an important element in determining its worth. If your roof hasnt been inspected recently, or you dont know if you have a roof certification, it should be on your to-do list.
Roof Inspection Process By Home Inspectors
The process of the inspection is as follows:
- Walking the roof taking pictures of all planes.
- Inspecting the roof for damages, repairs, leaks, etc.
- Inspecting the attic to look for signs of water intrusion/leaks.
- Taking photos of any signs of leaks in the attic.
- An inspector might as well examine your interior ceilings for staining.
As stated above, the process should take about 30min to an hour.
Important Notes
If you are needing a roof certification inspection, be sure to hire a home inspector. Home inspectors are non-biased, third-party informers. Hiring a licensed roofer may seem like a good idea, however, not all roof inspectors are non-biased. Ultimately, a roofer might be able to sell you on a new roof so they can make more money.
If you are looking for home inspectors, here are a few depending on your given area:
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Does A Roof Certification Provide A Guarantee
Roof Certifications are usually very reliable because they are carried out by licensed roof inspectors who are expert roofers. However, there is typically no guarantee that the roof will remain leak and problem-free for the certified period. Instead, if there is a leak during the certification period, the contractor will come and repair the roof.
At Pace Roofing, We are a family-owned company, proudly serving the Tri-State area. We offer reliable Roof Certifications and examinations along with repairs, maintenance, and replacement roofs. If you’re looking for a reputable roofing contractor in the Philadelphia area, why not contact us today?
When Is A Roof Certification Needed
In most cases, the requirement for a Roof Certification arises at the time that a Buyer is purchasing a home. A Buyer typically hires licensed professionals to inspect the home that they are looking to purchase. These inspections can alert the Buyer to roof problems that will require roof repairs and the issuance of a Roof Certification prior to closing on their home purchase.
The lenders appraiser can also find roof problems that will require the issuance of a Roof Certification as a condition prior to: drafting loan documents, funding the loan, or closing the loan. An insurance company underwriter may decline a homeowner insurance policy on a home until they have received a Roof Certification to mitigate their risk on a home with a questionable roof. With many of the homes being bank owned, and being sold as-is, it is wise to obtain a Roof Certification to make sure that the roof will not be a problem in the near future.
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Certified Roof Condition Certification Or Rcf Inspections
We perform Roof Condition Certification Inspections in Pinellas, Hillsborough, and the surrounding Tampa Bay area of Florida. We also perform the Roof Condition Certification Inspections in Manatee, Bradenton, Sarasota, New Port Richey and most of West Central Florida.
Citizens insurance now requires Roof Condition Certification inspections or proof of roof replacement upon renewal for homes of certain ages.Citizens Insurance says The roof is a major source of protection when there are high winds. If a roof is allowed to deteriorate, the entire home and all its contents and even the people inside are vulnerable to storm damage. Insurance is not meant to pay for property damage that is due to normal deterioration or lack of upkeep.
Proof of roof replacement, or a Roof Condition Certification Inspection will be required for homes that are 25 years old and older if it has a shingle roof. Homes with tile or metal roofs, and mobile homes 50 years old or older will also be required to have the Roof Condition Certification form filled out.
If there is no written proof, such as a signed off building permit, homeowners will be required to have a Roof Condition Certification Inspection or renewal may be denied.
Not just anyone can fill out the form. The inspector has to be qualified. Persons filling out the form illegally are committing a 3rd degree felony.
Benefits Of A Roof Certification
So, you dont always need a roofing certification, and getting one is no guarantee that the roof is going to last as long as the inspector says, however, there are many benefits to getting one.
- Detect Water Damage Its tough to tell just by looking at the exterior of the roof whether theres been any water damage, but a good inspector will see it and let you know if its going to involve a major or minor repair to fix it.
- Saves Money Although youre going to be shelling out money for the cost of hiring a roofing inspector, its peanuts when compared to the money you can save by detecting small problems before they become big, expensive fixes down the road.
- Provides Protection As stated, getting a roofing certification gives you a degree of protection should it come time to file a roofing claim with your homeowners insurance company. Also in that regards, if youve been through a rough storm thats caused damage to your home, a roofing certification will prove beneficial when dealing with your insurance company because youll have an experts idea of just how severe the damage is.
- Extends Roofs Lifespan Its a good idea to have regular inspections performed on your roof because it allows you to find problems and fix them quickly. Little issues like broken shingles or water damage can be repaired relatively inexpensively, but if you let them go, they can become much more expensive to fix down the road.
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Oc Premier Home Inspections
Since joining the NRCIA, we have greatly benefited from its professional credentials, trademarks, training, inspection reporting and estimating software, and CRM to keep our small business on track for growth and success. Not only did it create additional revenue streams through inspections and certifications, but we also gained a significant competitive advantage through their recognizable seal as well as their thorough and professional inspection reports. Every report and proposal that goes out is generated through their simple yet effective online system, and the finished report has undeniably increased my conversion rate on jobs. In my experience, customers prefer a roofer who is NRCIA-certified over one who is not. I even use it to justify our premium pricing and reduce company liability in an honest, clear, and transparent way to all of our customers. Im so grateful that NRCIAs membership has taken me to a level of great success at such an early age, and I know I will be a member for life.
How Often Should You Get Your Roof Inspected
It is a good idea to schedule a professional roof inspection once every one to two years in moderate climates. However, the Florida climate contains elements that are harsh on residential and commercial roofs. Roofing systems must hold up well under high winds, hurricanes, sea spray, hail, high humidity and hot temperatures.
For this reason, most roofing contractors recommend that you schedule a professional roofing inspection one to two times per year. You may want to have your roof inspected before hurricane season or after a hurricane comes through the area. Doing so can ensure that your roof is structurally sound and provides adequate protection.
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Roof Condition Certification Form
My insurance company requested a Roof Condition Certification Form Inspection. What is Roof Cerification Form Inspection?
After February 1, 2009, JUA now Citizens request a Roof Condition Certification Form . 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
Can I Fill out the paper work myself? No. This form must be completed by one of the following:
- A Florida-licensed general, residential, building contractor
- A Florida-licensed building inspector
- A Florida-registered architect
- A Florida-licensed engineer
- A building code official who is authorized by the State of Florida or its counties municipalities to verify building code compliance
- A Florida-licensed home inspector who is a member of the American Society of Home Inspectors , the Florida Association of Building Inspectors or National Association of Certified Home Inspectors
I am buying a home. Can I use this as a less expensive pre-purchase inspection?
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Exception Intent To Comply
If the applicant/policyholder has already entered into a contract to have the roof replaced, the application may be submitted unbound with the following documentation: Signed contract from a licensed roofing contractor stating that the roof will be replaced within 60 days of the requested effective date Photos of each roof slope which adequately represent the current roof condition Signed Roof Replacement Acknowledgement form indicating that if the roof is not replaced within 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 made.The effective date will be determined once all documentation has been received. Once the roof replacement is completed, you must submit: A paid-in-full receipt from roofer stating that the roof was replaced Photos of each slope and updated photos of the dwelling
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