Citizens 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

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.

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