Prove Your Roof's Condition to Your Insurer

When an insurance company or lender needs proof that a roof in Englewood is in good condition, a roof certification inspection provides the required documentation. This inspection evaluates the roof’s current condition, estimates its remaining useful life, and confirms whether it can protect the home without immediate replacement. Many insurers and lenders require this certification for older roofs.

Blackdog Home Inspections examines the roof covering for damage, worn flashing, and signs of leaks, reviews the attic for moisture or staining, and documents the roof’s age when available. You receive a written certification with photos and a statement outlining the roof’s condition and expected lifespan.

If you need a roof certification in Englewood for insurance or a real estate transaction, contact Blackdog Home Inspections to schedule your inspection.

The inspector walks the roof when safe, or uses ladders and binoculars when the roof’s pitch or material makes walking unsafe. In Englewood, where tile and metal roofs are common, the inspection looks for cracked or displaced materials, exposed fasteners, rust, worn sealant, flashing issues, granule loss on shingle roofs, and sagging areas. The attic is also checked for water stains, mold, or daylight that may indicate leaks or ventilation problems.

After the inspection, you receive a report rating the roof’s condition as good, fair, or poor, along with an estimate of its remaining useful life. Insurers and lenders use this certification to determine approval or renewal. The report reflects the roof’s condition at the time of inspection and does not guarantee future performance; any noted defects may require repairs before coverage is approved.

Homeowners in Englewood who need a roof certification often ask what condition their roof needs to be in and what happens if it does not meet the insurer's standards.

What does a roof need to pass certification?

The roof must be free of significant damage, leaks, or missing materials, and it must have sufficient remaining life to meet the insurer's or lender's requirements. Most carriers want at least three to five years of expected lifespan remaining.

How long does a roof certification inspection take?

The inspection typically takes 30 to 45 minutes depending on the size and complexity of the roof. The inspector will access the attic and evaluate the roof from multiple angles to ensure a complete assessment.

What if my roof does not pass the certification?

If the inspector finds damage or wear that prevents certification, you will need to make repairs or replace the roof before your insurer or lender will approve your application. You can request a follow-up inspection once the work is completed.

Why do insurance companies require roof certifications?

Insurers require certifications to confirm that older roofs are still protecting the home and to reduce the risk of claims related to leaks or storm damage. A certification provides third-party verification of the roof's condition.

When should I schedule a roof certification?

You should schedule the inspection as soon as your insurance company or lender requests it, or before listing your home if you know the roof's age may be a concern for buyers. Early scheduling helps avoid delays in closing or policy approval.

If your insurer or lender in Englewood has requested a roof certification and you need confirmation of your roof's condition and remaining life, Blackdog Home Inspections can provide the report you need. Get in touch to schedule your inspection.