How To Look At A House
McGarry and Madsen's home inspection blog for buyers of
site-built, mobile/manufactured and modular homes
How much remaining roof life does an insurance company require to issue or renew homeowners insurance?
Sunday, May 5, 2019
The second largest insurance company in Florida, Citizens Insurance, requires that an inspector verify at least three years of remaining life in the roof. Here is how it is stated at their website.
Some other insurance companies require five years remaining life and, of course, their standards sometimes change. It’s important to note that if the inspector determines that you just barely squeak by with the absolute minimum years of useful life in the roof, the insurance company will expect a roof replacement before renewing the policy the following year.
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Here’s links to a collection of our other blog posts about INSURANCE:
• 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?
• Is a wind mitigation inspection report (OIR-B1-1802) required for homeowners insurance in Florida?
• 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?
• Should I give a copy of the home inspection report to the bank or insurance company?
• How do I get the hip roof discount for my homeowners windstorm insurance?
• 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 did I get no discounts or only a small discount from my wind mitigation inspection?
• 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?
• How does a repaired sink hole under a house affect its market value?
Visit our INSURANCE page for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.
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