Having homeowners insurance is necessary for Central Florida homeowners whose roofs must face the annual threat of severe weather and hurricane-force winds. However, to keep your insurance policy active, costs low, and ensure your roof can withstand such intense conditions, your insurance provider may require you to get a roof inspection or certification. Here is everything you need to know about getting a roof inspection for insurance.
What Is a Roof Inspection?
Overall, a roof inspection assesses your roof and identifies any issues affecting its performance, market value, or structure stability. To ensure your roof is eligible for coverage, a qualified roof inspector will thoroughly evaluate its components, such as roofing material, flashing, supporting framework, gutters, seams and valleys, caulking, chimneys, skylights, ventilation, and decking.
Why Do Insurance Companies Request Inspections?
In case of an emergency due to harsh weather conditions, insurance companies will want to know whether the damage to the roof was present before the qualifying incident. Other events or conditions may initiate a roof inspection, including:
- Having a roof over 20 years old
- A recent roof replacement
- A condition in your homeowner’s insurance policy
- Suspicion you have not repaired or maintained your roof
If your roof fails inspection, your insurance claim may be denied. However, you can refute a denied claim depending on the situation.
Benefits of a Roof Inspection
Common benefits of a roof inspection include:
- The likelihood of catching a minor roof issue before it becomes more serious
- Lower insurance premiums
- Preventing your warranty from being voided
- Helping your roof reach or exceed its life expectancy
Roof Inspection vs. Roof Certification
A roof certification is very similar to a roof inspection, except an inspection is to determine current problems, while a certification determines the overall condition of the roof and estimates the remaining life of the roof. Insurance companies may request a roof certification when assessing liability and risk. If you need assistance obtaining a professional roof inspection or help to navigate a roof insurance claim, the team of roofing experts at Davis Roofing can help.
Reliable Roof Inspection Services in Central Florida
Davis Roofing & Restoration is a local, family-owned, and operated construction business in Central Florida. Licensed and registered, we have been serving The Village and Lake and Orange counties with exceptional customer service and high-quality roofing repairs, replacements, and restorations for over 30 years. If you are in need of durable, dependable, and affordable roofing services, contact Davis Roofing & Restoration to schedule a complimentary inspection and receive a free estimate from one of our residential roofing experts. Call us today at 321-456-7709.
