When it comes to your roof, it is 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 can request an inspection before binding a homeowner’s insurance policy. 

Our preferred method of review is from the roof deck, but we may need to review the roof from a ladder if unsafe to review from the deck or too high to reach with our ladders. Underwriters are generally looking for the roof to be in good condition, without deficiencies, and have 3 years or more of estimated life. Underwriting guidelines however can change over time or by company.

Some problems are evident from the ground like missing or loose shingles/Tiles. Some not so much to the untrained eye. We will look for leaks, wear, and tear, windblown damage, any organic growth issues, or any other potential concerns.

Whether the roof looks new or is outdated, a 4-point inspection is a necessity. A professional inspector will look for leaks, wear, and tear, windblown damage, any organic growth issues, or any other problems that may have come from the roof’s installation or repairs

A roof inspection can be broken down into these four things:

• Structural – This covers uneven roof planes and signs of sagging. 

• Materials – An inspector will look for any missing, loose, curling shingles, organic growth, rust, missing flashing, or fasteners. They will also look for shingle aggregate and check the rubber seals around vent pipes for any gaps and deterioration.

•  Workmanship – The inspector will check for problems due to the workmanship that may lead to your roof being at risk for leaks or future damage.