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The Roofing Certificate form is a crucial document for homeowners in Texas seeking to reduce their residential insurance premiums. This form, provided by the Texas Department of Insurance, is designed to certify that a roofing installation has been completed in accordance with manufacturer specifications and meets the Underwriters’ Laboratory Standard 2218 for impact resistance. Homeowners should be aware that completing this certificate does not serve as a warranty from the roofing company or the product manufacturers. Key details required on the form include the roofing company’s name, address, and license number, along with the homeowner's information. The authorized representative of the roofing company must attest to the installation’s compliance, specifying the impact resistance classification of the roof covering used. Homeowners are reminded that accurate completion of this form is essential, as any misrepresentation could lead to allegations of fraud. Proper submission of the form involves retaining a copy for personal records while also providing one to the insurance company, ensuring that all parties have the necessary documentation to facilitate the premium reduction process.

Common mistakes

  1. Incomplete Information: One of the most common mistakes is failing to fill in all required fields. Each section, from the roofing company name to the date of installation, is crucial for processing the certificate.

  2. Incorrect Classification: Selecting the wrong impact resistance classification can lead to issues. Homeowners should double-check that the classification aligns with the actual roofing materials used.

  3. Missing Signatures: Forgetting to include the authorized representative's signature is a frequent oversight. Without this signature, the form may not be valid.

  4. Inaccurate Contact Information: Providing incorrect phone numbers or addresses can create problems. This information is vital for communication between the homeowner, roofing company, and insurance provider.

  5. Failing to Attach Labels: Not including the necessary labels from the roofing product packaging can result in rejection of the form. Homeowners must ensure that all required labels are attached to verify compliance.

  6. Not Retaining Copies: Many forget to keep a copy of the completed form for their records. Retaining a copy is essential for future reference and proof of certification.

Misconceptions

Misconceptions about the Roofing Certificate form can lead to confusion for homeowners. Here are seven common misunderstandings:

  1. The form guarantees a premium reduction. Many believe that simply completing the form will automatically reduce their insurance premium. However, the form serves only to certify compliance with specific roofing standards.
  2. All roofing companies can fill out the form. Not every contractor is authorized to complete the Roofing Certificate. Only licensed roofing companies can certify installations, ensuring the work meets the necessary standards.
  3. The form acts as a warranty. Some homeowners think that the Roofing Certificate provides a warranty on the roofing materials or installation. In reality, it does not imply any warranty from the manufacturer or installer.
  4. Any roofing material qualifies. Homeowners may assume that any type of roofing material can be certified. In fact, only materials that comply with Underwriters’ Laboratory Standard 2218 can be certified for premium reductions.
  5. Homeowners do not need to keep a copy. It is a misconception that homeowners can discard the form after submission. Homeowners should retain a copy for their records, as it may be needed for future reference or insurance claims.
  6. The form is only for new roofs. Some believe that the Roofing Certificate is applicable only for new roof installations. However, it can also apply to replacements or repairs that meet the necessary standards.
  7. Insurance companies are aware of all certifications. Many assume that insurance companies automatically know about the Roofing Certificate. Homeowners must provide a copy to their insurance provider to ensure they receive any potential premium reduction.

Roofing Certificate - Usage Guide

After filling out the Roofing Certificate form, you will be able to submit it to your insurance company to receive a potential reduction in your residential insurance premium. It's important to ensure that all information is accurate and complete before submission.

  1. Begin by entering the Name of Roofing Company at the top of the form.
  2. Fill in the Street Address, City, County, and Zip Code of the roofing company.
  3. Provide the Phone Number and License Number (if applicable) of the roofing company.
  4. Next, complete the section for the Address of Residence where the roofing work was done. This includes the Name of Owner, Home Phone, Office Phone, City, County, and Zip Code.
  5. The authorized representative of the roofing company should then certify the installation by filling in their name and signing the form.
  6. Indicate the Date of Installation and provide details about the roof covering, including the Manufacturers’ Name, Brand Name, and Year Manufactured.
  7. Select the appropriate Impact Resistance Classification by checking one of the options: Class 1, Class 2, Class 3, or Class 4.
  8. Check one of the options regarding labeling of products as instructed on the form.
  9. Finally, ensure that the Original Signature of the roofing company’s authorized representative is provided along with the Date.

Once completed, keep one copy for your records and submit the second copy to your insurance company. Make sure to review the form for any errors or omissions before sending it off.

Dos and Don'ts

When filling out the Roofing Certificate form, it’s important to follow certain guidelines to ensure accuracy and compliance. Below are five things you should and shouldn’t do:

  • Do provide accurate information for all required fields, including the name of the roofing company and the address of the residence.
  • Do ensure that the roofing company’s authorized representative signs the form before submission.
  • Do include the U.L. classification, manufacturer’s name, and date of manufacture as specified.
  • Do keep a copy of the completed form for your records.
  • Do check that all individual roofing materials are properly labeled according to U.L. Standard 2218.
  • Don’t leave any required fields blank; incomplete forms may delay processing.
  • Don’t provide false information; any misrepresentation could be considered fraud.
  • Don’t submit the form without verifying that the installation complies with the manufacturer’s specifications.
  • Don’t forget to provide contact information for both the homeowner and the roofing company.
  • Don’t ignore the requirement for a label from the packaging if applicable.

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Key takeaways

Here are some key takeaways about filling out and using the Roofing Certificate form:

  • Purpose of the Form: Completing this certificate allows homeowners to qualify for a reduction in their residential insurance premiums.
  • Certification Requirement: An authorized representative from the roofing company must certify that the roof covering installed meets specific impact resistance standards.
  • Labeling is Essential: The roofing materials must be properly labeled according to Underwriters’ Laboratory Standard 2218, indicating their impact resistance classification.
  • Submission Copies: Homeowners should keep one copy of the completed form, while another copy must be sent to the insurance company.
  • Fraud Warning: Any intentional misrepresentation on this form can be considered fraud, which carries serious legal consequences.