Additional Roof Life Certification
REINSURANCE CONCERNS: "Miami Dade High Velocity Wind Zones If a roof is 15 years old or older, an insurance company must allow a homeowner to have a roof inspection performed by an authorized inspector before requiring the roof to be replaced in order to have the policy issued or renewed. The homeowner is responsible for the cost of the inspection. IF YOU HAVE A 25 YEAR OLD SHINGLE ROOF or an OLD CEMENT TILE ROOF AND YOU RECIEVED A NOTICE FROM THE STATE OWNED CITIZENS WINDSTORM INSURANCE CARRIER or OTHER WINDSTORM INSURANCE CARRIER THAT UNLESS YOU REROOF YOU WILL KNOW LONGER HAVE WINDSTORM INSURANCE PROTECTION... ***NOTE; Broward County has raised the roof life expectancy for Shingle Roofs from 25 years to 30 years, from 25 years to 30 years for Spanish tile roofs and Real Barrel Tile has remained at 50 years, the insurance companys recently have been telling some of our customers that they must replace thier roof 5 years below the state law guidlines to be eligible for continued coverage, this is thier first legal error in judgement, since it is willfull ignorance, and in any case you have the legal option to provide a Satisfactory Roof Condition Certification Report to accommodate this situation. Originally created by Citizens Insurance company and marketed through the My Safe Florida Home Program several years ago this established the Standard that all underwritters are following, remember If the applicant can provide proof of use-full life remaining the application (is a signed affidavit ) can be submitted unbound with the appropriate roof documentation and its the law. (LAST LEGAL WORD ON THE MATTER). DONE! ***If your roof is not even old enough yet to be ineligible but you have received notification from your insurance company that your policy will be canceled if you don't get your roof inspection, it is important to follow through with the aformentioned instructions. If you need to get your roof repaired get it done, however if your roof is in good condition and the insurance inspector or agent is still pressuring you, that you have to replace your roof or they will drop you, be sure to get thier position stated in writing (we have seen obviation of the Rules by some of the insurance companys, these rules have been established to insure you get the corect number of years your roof has remaining accordingly to state Law, this bad faith by insurers in this space is at a minimum a missrepresentation but is more likely a tactically Fraudulent deliberate missrepresentation as they should know exactly what the years of remaining roof life are, which simply depends on your particular type of roof you have and by the county of your residence,(which can vary), our attorney suggests that you contact the DBPR Department of Professional Regulation and The Department of Financial Services and Report Them. ***You may have been notified by your insurance company to re examine your property as a consequence of inaccurate inspections previously undertaken in behalf of the My Safe Florida home program windstorm uniform Mitigation Verification Inspection Form (OIR-B1-1802). Now the Roof Wind Mitigation inspections or additional Roof Life examination legally requires that "only the actaul licensed holder" can undertake the inspection not their agents or employees, ("only the hands Licensed Holder can undertake that inspection "), Inspectors can be GC's, Certified Engineer's as well as Licensed Roofing Companys. You may have been notified that, " When a roof replacement is required, and a coating or sealant is used in lieu of roof replacement, the risk remains ineligible for coverage" Note : This latest Insurance advisory statement assumes that your applying a roof coating and you are also replacing your roof which is a missrepresentation, if your purpose is to apply a coating for protection of your property to strenghthen your roof that is not trying to replace your roof, the reasonable man rule of the preventative maintenance or retrofit eqaution has been taken way out of context, regarding that your intention is a roof replacement. In contrast to The roofing industry and replacement of Roofs and leak guarantees, (Keep in mind) The Roof Replacement materials manufacturer is happy to provide 50 or 100 years limited warranty however A roofing Contractor must (only) provide a minimum of 2 years for leaks on a new roof replacement, this must be printed on the front or back of the work order and include that unusual wind condition of 65 miles per hour or above may void any previous roof repair or new roof installation and material warranties. This can vary depending upon the contractor and/or the system being installed. In any event, be sure to inquire about the fine print on the written warranties presented and how this may affect you in the event of a storm. Homeowners can apply to have for thier roofs roof life expectancy checked by a certified roofing Inspector who is "THE LAST LEGAL WORD ON THE MATTER" , and have your roof life increased by having it certified with the Florida additional roof life certification Program. Often times this is the difference of getting roof mitigation insurance coverage or not without having to completely replace the roof. A Roofing inspector will need to issue a report on the overall condition and problems the roof may have, if your roof does not need maintenance the roofing inspector will determine the remaining years of a roof life (if any) and approve and or decline the roofs life cycle. If your Tile roof is 50 years old (per state guidlines) the roof may fail simply because of its age, however a 50 year old roof can qaulify for additional roof life if it is still in good condition, (and we have seen many that are in exceptionally good shape for there age). Roofprotect Roof Shield System has the only Miami Dade TAS-106 Uplift test. Our Products can be installed over the exiting roof materials and successfully re-seal and improve your roofs overall integrety and strenghthen and therefore increase its lifes cycle for an additional 5 to 10 years even if the roof is 50 years old and it can be renewed for another term providing periodic inspections are undertaken and the coating has been maintained..
Factors influencing Roof Life Certification
The factors that influence roof life certifications include:
- Roof Types – Wood, Metal, Tar, or Synthetic
- Age of Roof – A roof life may be between 10 to 50 years depending on the traffic it has to bear.
- Roof Pitch – Also called the roof’s steepness. The higher the Pitch, the higher will be the charges for working on such a roof.
- Number of Layers - Many towns have adopted legislation concerning the number of re-roofing layers that can be put on an existing roof until a full tear-off is needed.
- Previous Roof Repairs – If previous roof repairs are not disclosed the certification may not be considered valid.
Roof Certification Purposes
- Notify a buyer
- Disclose remaining roof lifespan
- Make repairs
- Facilitate the Sale and Transfer of Property
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Cement Tile Roof Repair and Maintenance
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Restoration can be clumsy and frustrating Cement roof tiles are available in a wide variety of colors. In cement tile roof restoration the seal is needed to avoid moisture leaking in. The details...
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The Roof Store Proudly serves these Florida Cities & Zip Code
Broward County, Florida