Citizens Policy Holders Suffer Change to Roof Leak Claims

New changes to Citizen Property Insurance Corporation’s policies may affect Florida homeowners, as roof leak claims may no longer be protected. In the past, if interior damage in a home was caused by a roof leak it was typically covered due to an “ensuring loss”. In this case, the insurance company viewed the damage as deterioration or wear and tear to the roof. The result was more often than not coverage from the roof leak claim. New changes that went into effect recently have altered the coverage that will exist in a similar situation.

The new policy is complex and difficult to understand. Therefore, it is important that Citizens policy homeowners pay careful attention to the changes that have come and how these changes may or may not affect any potential future claims. For instance, if your home is more than 25 years old, proof of roof replacement must be shown in order to be eligible for coverage. However, fine print indicates that those with homes over 25 years old may still be eligible if a qualified inspector verifies the length of years for useful roof life.

Many homeowners question the importance of their roof’s condition, claiming that this is the reason behind paying for an insurance policy. Nonetheless, Citizens points out the importance of adequate roof condition for the protection of the home. Florida homes are often subjected to high winds that can greatly damage their roofs. In addition, the safety of both the home and those inside of the home often depends on the condition of the roof.

Policyholders must visit the Citizen Property Insurance Corporation website to ensure that they are completely aware of their coverage. All too often, homeowners become aware of holes in their coverage after a roof leak claim is filed. At that time, recovering monetary damages may be impossible. Florida homeowners must be careful to read the fine print and contact the insurance company with any questions to make sure that their home and their roof is protected

By |2017-07-14T13:48:02+00:00June 16th, 2017|Residential Roofing|0 Comments

About the Author:

My father was an architect and as a young man I always had a fascination with building. I started to work in the roofing industry in Cleveland Ohio. I quickly found out this was a seasonal business and decided to move south were I could work year round. This brought me to Palm Beach County were I still live and call home 30 years later. I worked with some of the best roofing contractors in the business. They taught me the right and wrong way of doing things. I quickly found out there is only one way of doing things on a roof and that’s the right way the first time.

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