This is not new to most of you that have been doing 4 point inspections but this was in a Citizens Underwriting manual for agents that is effective 10/1/2011. This lists what makes a home uninsurable.
*"K. Heating And Electrical
- Properties which have a portable heater or open flame as a primary source of heat, (e.g., electric, oil or kerosene
portable space heater, gas heater, or any device utilizing an open flame).
Exception: Permanent and factory or professionally installed, central gas, fireplaces or wood burning stove heat
- Properties which contain any potentially hazardous electrical conditions, knob & tube or aluminum branch wiring
- Properties equipped with electrical service less than 60 amps.
Exception: If approved by a Florida licensed electrician, licensed journeyman electrician, or municipal building
inspector within the last five (5) years.
L. Roof Conditions
• Roofs that are damaged; or
• Roofs that have visible signs of leaks; or
• Roofs that have less than three years of remaining useful life. The “remaining useful life” is the remaining life
expectancy of the roof covering to function as intended based upon an inspection of the wear and tear, decay,
deterioration, decline, or defect, present from natural, climatic, construction, or other local conditions.
M. Roof Covering Age
Shingle, built up tar and gravel, or other roof coverings that are over 25 years old and tile, slate, clay, concrete or metal
roof coverings that are over 50 years old must be replaced / updated to be eligible for coverage (see exception below).
Documentation of full roof replacement must be submitted with the application or prior to the policy renewal in which the
roof covering exceeds the maximum age requirements outlined in the following table (not applicable to HO-4 and HO-6
Roof Covering Age
Asphalt, Fiberglass, Composition, or Wood Shake Shingles; Built-up Tar and
Gravel; or Other Roof Covering types Not Included Below Over 25 Years Not Insurable
Tile, Slate, Clay, Concrete or Metal Over 50 Years Not Insurable*
Exception: Risks that do not meet the roof replacement eligibility requirements above may be eligible for coverage
by submitting acceptable documentation verifying the roof has at least 3 years remaining useful life (Refer to
Properties to Be Submitted to Citizens for Review Prior to Binding). Risks that establish roof eligibility under this
exception are not required to provide documentation of full roof replacement until the policy renewal period in which
the remaining useful life of the roof covering falls below the 3-year eligibility threshold.
Acceptable documentation includes a copy of a completed roofing contract; a statement from a licensed roofing
contractor showing estimated age; condition and remaining useful life; a completed Citizens Roof Condition
Certification form; or other acceptable proof of remaining useful life."
The only surprise to me was that I thought Citizens was accepting aluminum wire if it had been repaired.