If you’re a Florida homeowner renewing your insurance or shopping for a new policy through Citizens, there are a few important updates to be aware of. As of March 20, 2025, Citizens Insurance has released updated versions of the 4-Point and Roof Inspection forms. These changes are designed to improve documentation and clarity—but they also mean that inspectors and insurance agents need to be using the most current forms to stay compliant.
Good news: we’ve already updated our inspection software and processes to match these new requirements, so any inspection we do moving forward will meet the latest Citizens standards.
Here’s a quick breakdown of what’s changed:
Minimum Photo Requirements
Inspectors must now include a clear photo of the temperature pressure relief (TPR) valve on the water heater. This is to ensure the valve is present and properly installed—an important safety feature.
Electrical System
If the home has single-strand aluminum wiring, documentation of remediation now must be provided and certified by a licensed electrician.
Citizens has also expanded the Supplemental Information section to include additional wiring types, helping to clarify the electrical system setup in older homes.
HVAC System
The form now separates a previous question into two parts:
• Is a wood-burning stove or central gas fireplace present?
• Was it professionally installed?
This gives underwriters a better understanding of any potential hazards.
Plumbing System
New questions have been added to gather more detail about the plumbing system, including:
• Age of the piping supply system
• Age of the water heater
• Age of the drain piping, with options to mark if it’s original, partially re-piped, or fully re-piped
• Year PEX piping was installed (if applicable)
• Additional pipe material types are now listed
Roof
If an inspector checks “Yes” to visible signs of roof leaks, they are now required to expand on the details. This gives the insurance company more context when evaluating the roof condition.
These updates are a reminder of how quickly insurance requirements can evolve in Florida. Whether you’re an agent, a buyer, or a homeowner getting ready to renew your policy, it’s important to work with an inspection company that stays on top of these changes.
We’ve already made the switch, so you can be confident your report will meet Citizens’ current requirements.
Click here to view the official Citizens update.
Need to schedule an inspection or have questions about what this means for your property? Get in touch—we’re here to help.