Published on March 20, 2023 by Jason Reisman

What You Need To Know About Roof Inspection for Insurance

Have you had your home’s roof inspected lately? You probably don’t think about your roof often, but it’s a critical part of your house that you shouldn’t ignore. You may need a roof inspection for insurance to maintain your policy and keep premiums low. Roof inspections alert you to potential problems, such as leaks and mold, allowing you to make repairs before serious damage occurs.

At Eustis Roofing, our roof inspectors in Eustis have the know-how to prove your roof’s quality to insurance companies. Read on to learn more about what to expect with a roof inspection for insurance.


What Is a Roof Inspection for Insurance?

In Florida, property insurance policies can’t deny roof coverage if the roof has at least five years of useful life remaining. If you’re unsure how long your roof will last, you’ll need to contact a roof inspector to find out. Inspections evaluate:

  • Signs of poor condition due to mold, water damage, and rust 
  • Supporting framework
  • Gutter caulking
  • Decking and flashing
  • Skylights and chimneys
  • Seams and valleys
  • Roofing material

Your roof inspector from a certified roofing company will climb onto the roof and examine every square foot for potential issues, then present a written report for you to give to your insurance company.


Are Roof Inspections the Same as Roof Certifications?

Roof inspections and certifications both determine a roof’s condition, but these services are different. Certifications ensure that a roof has no defects and won’t require repair or replacement for a certain period. Inspections detect problems with the roof that a homeowner needs to address.

Why Do You Need a Roof Inspection?

If you haven’t kept up with proper roof maintenance, insurance companies can raise your monthly premiums or even cancel your policy altogether. Roof inspections reveal damage caused by neglect, building code violations, and poor-quality work.

Situations that may require a roof inspection include:

  • Installing and inspecting a new roof
  • Taking out a new policy for an older house
  • Meeting homeowner’s insurance policy conditions
  • Having a roof that is 20+ years old

Your inspector will alert you to minor problems before they spiral into severe damage that requires pricey repairs. Roofs in good condition are more energy efficient, which can save you hundreds of dollars on your electric bill throughout the year.

What to Do if Your Roof Fails Inspection

If your roof doesn’t pass the inspection due to damage or structural issues, you can have the reputable roofing contractor repair the damage before scheduling another inspection. You’ll also want to provide the insurance company with documentation proving that you’ve maintained the roof, if possible. Failed roof inspections may cause your insurance premium to go up, so promptly completing the necessary repairs is well worth the effort.


Eustis Roofing: Trusted Roof Inspectors You Can Count On

If you need a roof inspection for insurance purposes, Eustis Roofing is here to help! Our experienced team provides prompt and reliable roof inspection for homeowners in Leesburg, The Villages, Tavares, and nearby cities throughout Central Florida. To learn more, contact a Eustis Roofing roof inspector today.

Jason Reisman

About The Author: Jason Reisman

Jason Reisman, ERC’s General Manager is a problem solver! Jason is hands-on with finding solutions to difficult problems as well as constantly researching, exploring new concepts, discovering new inventive ways and is passionate about being the most experienced, most knowledgeable and most dependable in the roofing trade. He’s hands-on with training and instruction ensuring every job have the up to date and state of the art equipment to perform with precision to be in and out without delays. Jason loves competing with his Dad on the golf course!