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Citizens may require certain inspections, depending on the type and amount of coverage you are seeking, eligible discounts, and the age and location of your property. Your appointed Citizens agent can help you determine which inspections are needed, if any.

Inspection Types

Four Point

Citizens requires a four-point inspection for all homeowner, dwelling and mobile home applications for properties more than 30 years old. A Florida-licensed inspector will check the home’s electrical system, plumbing, heating/cooling system (HVAC) and roof. The inspector must provide the age, type and condition of the wiring, heating and plumbing systems, and roof. Any serious hazards or deficiencies (such as exposed wiring, active leaks or evidence of leaks) should be repaired before an application for coverage is submitted.

High Value

High-value homes are houses valued at $650,000 or more. A standard homeowners policy may not offer the necessary coverage for this type of home. A high-value inspection by an approved inspection company may be required.

Old Roofs

Roofs older than 25 years (shingle or other type) or 50 years (tile, slate, clay, concrete, or metal) require documentation showing at least three years remaining useful life. A Florida-licensed inspector must conduct an inspection of the roof to check for any visible signs of damage or deterioration. When a roof has less than three years of remaining useful life, the homeowner must provide proof of a full-roof replacement to the inspector before any policy is written on the home. The inspector will complete a Roof Inspection Form verifying the roof is in good condition.

Wind-Damage Mitigation Discounts

Many homes in Florida are built with wind-damage mitigation features that help protect them from the heavy wind and rain experienced in a hurricane or tropical storm. Homes and businesses with such features may qualify for policy premium discounts by documenting any approved features through a wind mitigation inspection. Wind mitigation inspections:

  • Identify and document mitigation features
  • Identify areas where you can make your home safer and qualify for additional mitigation discounts

Learn more about wind mitigation inspections.

Sinkhole Inspections

Citizens requires a sinkhole inspection for home and business owners seeking optional Sinkhole Loss coverage* under certain conditions. When an inspection is required, Sinkhole Loss coverage will not be issued until the inspection has been conducted and Citizens reviews and approves the inspections results.

As Sinkhole Loss coverage may not be added after the beginning of the policy term, policyholders who want to add this coverage at renewal should inform their agent of this fact as early as possible before renewal.  

Learn more about sinkhole inspections.

*Coverage for Catastrophic Ground Cover Collapse is included in certain Citizens policies; however, coverage for gradual subsidence sinkhole damage is optional for most policy types. Consult your policy documents for details about the specific coverage available under your policy.

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Citizens' underwriters review all inspection forms and other supporting documents. Your form may not be accepted if the appropriate professional, as outlined in the form, does not perform an inspection or the professional's Florida license is not active or cannot be verified. Inspectors should ensure they are using the most up-to-date forms as of January 2018.


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