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Roof and 4-Point Inspection Form Updates

Citizens updated the following forms to evaluate risks better and determine whether a property meets Citizens’ eligibility guidelines:

The previous versions have been deleted from our website, and the updated forms are available at:

  • The Agents website: Select Personal → PR-M → General
  • The Public website: Select Insurance → Get a Policy → Inspections

Agents and licensed inspectors should begin using the updated forms immediately. After September 1, 2018, if the agent submits a previous version of the form(s), Underwriting may request additional information or create other underwriting actions.

4-Point Inspection Form

The changes on the 4-Point Inspection Form are outlined below.

Section of 4-Point Inspection Form Description of Changes
Minimum Photo Requirements Photos now are required for:
  • Each side of the dwelling
  • Each slope of the roof
  • Plumbing: Water heater, under cabinet plumbing/drains, exposed valves.
Legal Disclaimer Clarifies that the inspection is for underwriting use and does not guarantee systems condition
Electrical System
  • The panel sections now require more specific information and whether the amperage is sufficient.
  • The Hazards Present section has been expanded.
HVAC System Expanded to include servicing/inspection date and a question regarding blockage or leaking
Plumbing System Photos now are required for:
  • The following questions have been added:
    • Is there a temperature pressure relief valve on the water heater?
    • Water heater location
  • Inspectors must indicate the condition of the listed appliances.
Roof The Any visible signs of damage/deterioration? section has been expanded.

Roof Inspection Form

The Roof Condition Certification Form (RCF-1 09 13) has been updated to mirror the roof condition requirements listed on the updated 4-Point Inspection Form.


For more information, log in to the Agents site, and from the website’s top menu, select Search → Search Frequently Asked Questions (FAQs). Enter four-point inspection or roof condition into the search field.

Legal Disclaimer

Citizens provides agent communications online for historical purposes only, and the communications have not been updated to include any changes that may have been made after publication. Agents can find the latest information by reviewing the applicable underwriting manuals, and by logging in and accessing our FAQs, which are available from the top of any page on our website.