Q. If there is a discrepancy between inspection reports, is there a mediation process to resolve them?
A. If a discrepancy exists, Citizens will thoroughly review all documents on file regarding the mitigation features present on the home to determine the appropriate premium credits to be applied to the policy. Customers and their agents can submit any additional documentation to Citizens that they believe refute Citizens inspection findings. As indicated above submission of another inspection alone is generally not sufficient to refute Citizens inspection findings.
Q. Can a customer refuse to accept a Citizens Inspection Report?
A customer cannot refuse to accept the findings of a Citizens inspection. If a discrepancy exists customers can dispute the findings by submitting documentation to Citizens that clearly refutes Citizens inspection findings.
Q. Can a customer have their own Inspector present to observe the Inspection process and point out any discrepancies to the Citizens Inspector?
Citizens discourages this practice to ensure our inspector is provided an objective environment to collect unbiased information about the wind mitigation features of the home.
A. How were the Inspection Companies Chosen and does a customer have the right to decide which one conducts the inspection on their property?
The inspection companies and independent inspectors performing Citizens inspections meet certain licensing and experience requirements established by Citizens to participate in the Inspection & Outreach Program. Customers cannot choose which inspection company conducts the inspection of their property. See question 6 for more details.
Q. Can a consumer ask for a specific company to do their inspection?
A. Specific inspectors and inspection companies cannot be requested. This is done to ensure an objective review of the property is performed and avoid the potential for the inspector who performed the policyholders original inspection from performing Citizens inspection. In the unlikely event that an inspector is assigned to perform Citizens inspection of a property that he has already inspected for a homeowner, the inspector is required to notify Citizens inspection program administrator so the inspection can be reassigned to another inspector.
Q. What paperwork, county inspection reports or permitting history should a consumer have available on-sight to provide documentation that their property was built according to applicable current building codes at time of construction, used all code-approved products, was properly permitted for construction, and successfully passed its final inspection?
A. Consumers should have any documentation regarding the wind-resistive features of their homes available for the inspector to review at the time of inspection. Examples of documents that should be made available for review include roofing permits, detailed receipts, photographs of roofing or product installations, product notice of acceptance paperwork (NOAs), invoices or work orders that contain wind mitigation product details and testing standards and/or construction details of the home.