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Roof Coatings Clarification

In response to questions about roof coatings and sealants used with the intent to repair and/or extend a roof covering’s useful life, Citizens would like to provide the following information to assist agents with determining roof insurability under our underwriting rules.

When a roof replacement is required, and a coating or sealant is used in lieu of roof replacement, the risk remains ineligible for coverage with Citizens. Use of such materials does not constitute a roof replacement. See the following for further specifics.

Roof Coatings and Sealants

For new and renewal business, where a sealant or coating has been applied to the roof, Underwriting will review the risk, including age and condition of the roof, to determine eligibility for coverage.


  • Citizens may conduct inspections to verify the risk meets eligibility requirements.
  • Roof coatings – such as acrylic, silicone, urethane, soy, elastomeric or other similar coatings used for waterproofing or UV protection – do not meet Citizens’ requirements for proof of roof replacement.


For more information, agents and credentialed agency staff can log in to the Agents website to review the Underwriting guidelines and other resources to help you service your customers:

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.