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What is a Roof Certification Inspection?

A roof certification inspection is an inspection of a home’s roofing system for insurance purposes. This short inspection usually takes about 30min to an hour to complete onsite and tells the insurance company the condition of your roof.

In most cases, the roof certification inspection is only required when the insurance company believes the roof will need to be replaced soon.

The form is broken down into a multitude of factors.

An Overview of the Roof Certification Inspection

A home inspector will have to report on the following:

The beginning of the form asks for generic information about the roof, such as, its age, any repairs, evidence of replacement, or permitting information. The inspection also asks for the roof type and estimated life expectancy.

Next, the home inspector will report on damages, leaks, or repairs. For instance, the report may show evidence of leaks in the attic. On the other hand, the report could exhibit pictures of lifting shingles, broken tiles, missing tiles/shingles, or simply evidence of repairs.

The purpose of this report is so the insurance agent can determine the total condition of the roof and life expectancy. In total, the report is typically about 3-4 pages depending on how many images are needed to show the roof properly. A picture of each roof plane is typically required.

In Florida, this information is especially useful to insurance underwriters in order to determine possible payouts during the next hurricane season.

What an Insurance Company Looks For

Based on the information provided by the home inspector, the insurance company will decide next steps.

An insurance agent will want 3 to 5 years of life left in the roofing system! If the home inspector reports less than 3-5 years life left, the insurance company will more than likely ask for replacement.

If you do have roof damages, repairs, roof leaks…

Again in most cases, insurance agents will require these damages, repairs, and leaks be fixed by a licensed professional. The insurance company may even require a re-inspection by a home inspector for proof of proper repairs.

Home inspectors have heard rumors that some insurance underwriters will not even accept roof repairs. This may be something you will need to talk to your insurance agent about.

Roof Inspection Process by Home Inspectors

The process of the inspection is as follows:

  • Walking the roof taking pictures of all planes.
  • Inspecting the roof for damages, repairs, leaks, etc.
  • Inspecting the attic to look for signs of water intrusion/leaks.
  • Taking photos of any signs of leaks in the attic.
  • An inspector might as well examine your interior ceilings for staining.

As stated above, the process should take about 30min to an hour.

Important Notes

If you are needing a roof certification inspection, be sure to hire a home inspector. Home inspectors are non-biased, third-party informers. Hiring a licensed roofer may seem like a good idea, however, not all roof inspectors are non-biased. Ultimately, a roofer might be able to sell you on a new roof so they can make more money.

If you are looking for home inspectors, here are a few depending on your given area:

Central Florida – Atkinson Inspection, Check our their page on roof inspections.

West Central Florida – Waypoint Property Inspection

East Central Florida (Space Coast & Indian River) – Obviously us! 😀

If you insurance company is requiring a roof certification inspection, and you have questions, feel free to comment below!

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What is a Four-Point Inspection?

A four-point inspection is a Florida specific inspection (although other states are beginning to adopt their own version) that tells home insurance companies the condition of a home. Typically, insurers will request this report to be completed to write a new policy for homes 30 years old or greater. However, it has been heard that a few will request the form as early as 10 years old.

That being said, what are the four points you may ask? Good question. The four-points are the general working condition of the roof, electrical, plumbing, and A/C systems. Although the inspectors are looking for general conditions, there are a few items that insurers pay extra attention to. We will cover a few items here. Future posts will cover the points in more detail, but reviewing this post can warn you about hefty repairs. (NOTE: A Four-Point inspection is not a replacement of a home inspection. This inspection is made for insurance companies only due to many reasonings.)

Roof

Here are some warning signs to insurance companies:

  1. How old is your roof? Does it have a life expectancy of 3-5 years? As time progresses, insurers are looking for at least 5 years of life left on the roof before they insure.
  2. Does your roof show signs of current/active leaks? Your inspector should walk the roof and attic to find evidence of these.
  3. Is your flat roof have “ponding” water? This is a sign that your flat roof is not draining properly and can shorten the life expectancy.

Electrical

  1. Do you have aluminum wiring? Your inspector will remove your electrical panel covers to look for aluminum wiring. The main issue here is aluminum and copper wiring expand at different rates and when connected together, can loosen their connections overtime, therefore potentially creating a spark or fire.
  2. Do you have a particular branded panel? These are: challenger, FPE, and Sylvania. These panels have been known to have certain safety issues.
  3. Is your home wired properly overall? This is a general safety item that covers items like: exposed wiring, double tapped wiring, and grounding.

Air Conditioning

  1. Does your A/C system operate and cool the home?
  2. What kind of heat system do you have? Home insurance companies do not like space heaters.

Plumbing

  1. Do you have any signs of leaks?
  2. Do you have Polybutylene plumbing? This is gray flexible piping (typically through the attic) that has been known to leak at the connections due to poor installation.

This post is not to be taken as full coverage of the report, but as a quick reference to major defects insurance companies can request to be repaired or replaced before insuring your home.

If you have any questions, feel free to reach out in the comments or contact us!

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What is a wind mitigation?

The wind mitigation inspection form was created around 2004, by the state of Florida in order to require Florida home insurers to give credits or discounts to those home owners who meet certain building code requirements.

The report, also known as the 1802 form, is seven questions. Each one will be broken down below:

1. Building Code

To receive this credit, your home must have a building permit application date after March 1st, 2002. If your home was built before this date, it is not necessarily a bad thing, it just means you do not qualify for a discount.

2. Roof Covering

Do you have a newer roof? To receive this discount you must have a roof permit application date after March 1st, 2002.

3. Roof Deck Attachment

What is holding your roof deck sheathing down? This is a question about the type of nail and how many were used. This can be found in your attic using a metal detector. Your inspector can tell you what you have installed, but new roof coverings, after 2007, are required to have an 8d nail installed every six inches which qualifies for a discount. Keep in mind, there are other ways to receive this discount without having a new roof.

4. Roof to Wall Attachment

What is the weakest roof to wall connection? Your home may have (listed from weakest to strongest): toenails, clips, single wraps, or double wraps. Again, this discount can be confusing as certain attachments require a certain number of nails.

5. Roof Geometry

What is the shape of your roof? The roof shapes are: hip, flat, or other. Most homes fall in the “other” category. To receive the discount, your roof covering must be hip which means 90% of your roof slopes down to an exterior wall at a pitch greater than 2/12. In simple terms, the triangles above garage doors and entry doors restrict you from receiving this discount.

6. Secondary Water Resistance

Roof coverings have an underlayment installed. The type of underlayment can be viewed from the attic, but to qualify for the discount, your underlayment must be self-adhering. Secondary water resistance (SWR) is typically sticky and shiny.

7. Opening Protection

The hardest discount to receive is if your home has impact rated shutters or windows. This is an all or nothing discount meaning every window must be protected by an impact rated shutter, fabric, or be an impact rated window. Documentation of impact rating has to be proven so it needs to be available to the inspector; keep all receipts of shutters or window installations.

Moreover on this discount, if all windows and doors (garages, entry doors, side entry doors) are impact rated or having a shutter, then your home qualifies for the best opening protection credit.

Some things to keep in mind on your wind mitigation report.

As you receive more discounts, the amount in credit diminishes. Before you purchase shutters or a new roof to receive a discount, talk with your agent about how much money the adjustment to the report will save you. Sometimes, it may not be worth the investment.

The wind mitigation is not a pass or fail inspection, it can only help you depending on what you have. The typical cost of a wind mitigation inspection is $100 from a licensed home inspector.

You may view this page here for resources or contact us with your questions!

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