Citizens bases this off of the construction of the roof and not the roof covering (wood shingles does not necessarily make it a wood roof).

Group II construction - Ordinary:  Applies to buildings which are classified for Group I rating as Non-Combustible (Code 3), Joisted Masonry (Code 2) or Frame (Code 1):

 Group I construction type definitions described above: 

Frame (Code 1):  

Buildings where the exterior walls are wood or other combustible materials including construction where combustible materials are combined with other materials such as brick or stone veneer, wood iron-clad, or stucco on wood.

Joisted Masonry (Code 2):

Buildings where the exterior walls are constructed of masonry materials such asadobe, brick, concrete, gypsum block, hollow concrete block, stone, tile or similarmaterials and where the floors and roof are combustible.

Non-Combustible (Code 3):

Buildings where the exterior walls and the floors and roof are constructed of and supported by metal, asbestos, gypsum or other non-combustible materials.

Masonry Non-Combustible (Code 4):

Buildings where the exterior walls are constructed of masonry materials described in Code 2 above, with the floors and roof of metal or other non-combustible materials.