What's included in a Roof Certification?

  The Importance of Roof Certifications

Your home’s roof serves as the primary defense against storms and other types of extreme weather. Whether it’s hail or high winds, your roof is the primary source of protection for your home. When it comes to purchasing a home, Carriers may request a Roof Certification inspection before binding a homeowner’s insurance policy. 

The Preferred Inspection Approach                  

Ideally, our inspection takes place directly from the roof deck, offering the most comprehensive view of the roof’s condition. However, safety and accessibility concerns may necessitate an alternative approach, prompting us to conduct inspections from a ladder. Underwriters are looking for the roof to be in good condition, and free of deficiencies, and generally, most carriers want to see 5 years or more of estimated life. Underwriting guidelines however can change over time or by company.

Identifying Potential Issues

Some roof problems are immediately apparent, even to the casual observer. Missing or loose shingles and tiles are easy giveaways. However, other issues, such as leaks, wear and tear, damage from wind, organic growths, or other concerns, might not be so easily spotted from the ground.

Keep in mind that the insurance carrier may also request a 4-point inspection. Make sure to confirm this with your agent.

A thorough roof inspection encompasses three critical aspects:

• Structural Integrity: This includes checking for uneven roof planes and signs of sagging, which could indicate underlying structural issues.

• Material Condition: Inspectors scrutinize the roof for missing, loose, or curling shingles, signs of organic growth, rust, absent flashing, or fasteners, and the condition of shingle aggregate. The inspection also includes examining the rubber seals around vent pipes for gaps and deterioration.

•  Workmanship Quality: An essential part of the inspection focuses on identifying any workmanship errors that could jeopardize the roof’s integrity, making it susceptible to leaks or future damage.

The Power of Prevention

Understanding the vital role of regular maintenance and timely repairs cannot be overstated. These practices not only prolong the life of your roof but also enhance its ability to withstand extreme weather. An annual inspection by a professional can uncover potential issues before they escalate into significant problems, ensuring that your roof continues to serve as a dependable protective barrier for your home.

In Conclusion

Through the Roof Certification, you gain a precise understanding of your roof’s situation and the actions you must undertake to ensure it meets your policy’s prerequisites. Remember, your roof is more than just part of your home; it’s your defense against the elements, and keeping it in prime condition is key to ensuring your home remains a safe haven for years to come.