A renewal request
Your insurer wants a roof-condition report or evidence of remaining useful life. Start with their written requirements and deadline.
Roof insurance inspections · South Florida
Know the roof. Document the facts.
Clear roof-condition reporting. A more informed next step.
When your insurer, buyer or board asks about the roof, bring them observations—not assumptions. Discuss a photographed inspection with Perkins Roofing, including the report your property requires.
Request a roof inspectionConfirm the required form and your insurer’s approval of the inspector before booking.
A CLOSER LOOK / A CLEARER RECORDObservePhotographDocument
1980Perkins Roofing founded
6 countiesSouth Florida service area
Miami + JupiterTwo offices to contact
Meet the Perkins team ↗Start with the reason
A request in hand.
A clear place to start.
Tell the team who needs the report, what they have requested and when it is due. The inspection and documentation should match that purpose.
A storm concern
You want visible damage and roof conditions documented. Wait until conditions are safe; do not climb onto the roof yourself.
A property transaction
You need a clearer understanding of the roof before buying or selling. Confirm the scope and access with the owner.
A board decision
Your association needs a condition record for planning repairs or further investigation. A roof report is not a whole-building structural assessment.
From the roof to the record
The details
behind the report.
Explore the areas that inform a roof-condition inspection. Actual access, methods and deliverables are confirmed for your property.
Look for cracks and displaced tiles
The foreground tile shows a visible crack. An inspector documents the location and checks the surrounding covering.
AI-generated educational illustration · not a Perkins project photographCovering & repairs
Read the surface. Record the detail.
Review the roof covering, visible wear and previous repairs. Tile, shingles, metal and low-slope membranes each need a different set of observations.
- Cracked or displaced tiles and worn shingles
- Open seams, splits, corrosion or membrane damage
- Previous patches and reported leak locations
A photographed record of the conditions actually observed—not a diagnosis from roof age alone.
Flashing & junctions
Look where materials meet.
Roof-to-wall transitions, valleys and penetrations deserve close attention. Record visible defects and distinguish an observation from a suspected concealed problem.
- Wall flashing, valleys and chimney interfaces
- Pipe boots, skylights and equipment curbs
- Sealant, laps and signs of previous water entry
Specific locations and supporting photographs make findings easier to understand and follow up.
Drainage & access
Follow the path of water.
Review accessible drainage and roof areas. Where access is safe and included in the agreed scope, visible deck and attic conditions can add context.
- Drains, gutters, scuppers and evidence of ponding
- Visible staining, sagging or deterioration
- Ventilation observations and areas not accessible
The report should identify inspection limits as clearly as its findings. A visual inspection cannot expose every hidden condition.
Report & next steps
Turn observations into a useful record.
Bring together roof information, condition photographs and findings. Confirm whether a remaining-useful-life assessment or a specific carrier form is required before the visit.
- Roof system and available age or permit records
- Observed conditions with supporting photographs
- Recommended follow-up and any assessment limitations
Use the findings to discuss maintenance, repairs or further evaluation. The carrier makes coverage and underwriting decisions.
Before you book
Three reports.
Different questions.
“Insurance inspection” can mean several things. A roof-only inspection does not automatically satisfy a wind-mitigation or four-point request.
Roof condition
What condition is it in?
Documents the roof’s visible condition, defects and supporting photographs, with a remaining-useful-life assessment where required and agreed.
Confirm the carrier’s report format and inspector approval.
Wind mitigation
How is it constructed?
Documents construction features on Florida’s OIR-B1-1802 form that may qualify for wind-related premium discounts.
A separate purpose, form and qualification check. Savings are not guaranteed.
Four-point
What about the other systems?
Reviews the roof plus electrical, plumbing and heating/cooling systems for underwriting. A roof-only report does not cover the other three.
Ask your insurer exactly what is required; confirm service availability with Perkins.
Official guidance: Citizens inspection requirements ↗ · Florida mitigation forms ↗
Roof age & Florida homeowners insurance
Age is a date.
Condition needs evidence.
For applicable homeowners policies, Florida Statutes §627.7011 addresses refusal based solely on roof age—not every possible underwriting issue.
Read the statute and exclusions ↗An insurer may not refuse to issue or renew solely because of roof age.
The homeowner must be allowed an inspection at their expense by an insurer-approved authorized inspector before replacement is required. A finding of at least 5 useful years remaining protects against refusal solely on age.
Other lawful underwriting grounds still apply. This provision excludes mobile-home and non-homeowners policies; do not assume it applies to a commercial or association policy. General information—not legal or insurance advice. Confirm your situation with your insurer or adviser.
Make the first call useful
Bring the request.
We’ll discuss the scope.
There is no need to guess which report you need—or get on the roof. Start with the information you already have.
Discuss your inspection- The requestThe insurer, buyer or board’s written requirements and deadline.
- The propertyAddress, roof type, occupancy and safe access arrangements.
- The historyKnown leaks, storm concerns, previous repairs and replacement permits.
- The agreementAccepted inspector, report format, access limits, price and availability.
After the findings
A record first.
The right next step second.
An inspection does not commit you to a replacement. Discuss maintenance, repairs or further evaluation based on what is found. Coverage and claim decisions remain with the insurer.
Practical answers
Clear expectations.
Before the visit.
Understand the scope, documentation and limits of a roof inspection.
What does a roof insurance inspection cover?
The agreed inspection reviews accessible roof covering, flashing, penetrations, drainage, evidence of previous repairs and other visible conditions. Confirm whether attic access, a remaining-useful-life assessment or a carrier-specific form is included. The report should state inaccessible areas and other limitations.
Will an inspection guarantee renewal or a paid claim?
No. A roof report documents observations; it does not determine coverage, guarantee policy renewal, promise a claim payment or guarantee a premium reduction. Your insurer applies the policy and applicable law. Speak with your insurer or insurance adviser about those decisions.
Is a roof condition report the same as wind mitigation?
No. A roof-condition report addresses condition and, where requested, remaining useful life. A wind-mitigation inspection documents construction features on Florida’s OIR-B1-1802 form for possible wind-related discounts. Ask your insurer which document and qualifications are required, then confirm the service with Perkins before booking.
Does a roof-only inspection replace a four-point inspection?
No. A four-point inspection also reviews electrical, plumbing and heating/cooling systems. A roof-only report cannot replace the other three systems. Requirements vary by insurer, property and application; confirm the exact request before arranging the visit.
What does the 15-year roof-age rule mean?
For applicable homeowners policies, Florida Statutes section 627.7011 protects against refusal solely on roof age below 15 years. At 15 years or older, the homeowner must be allowed an inspection at their expense by an insurer-approved authorized inspector before replacement is required. At least five useful years remaining protects against refusal solely on age. Other lawful underwriting grounds still apply; this provision does not cover mobile-home or non-homeowners policies.
Can I choose any roofing contractor for the report?
For the statutory roof-age inspection, roofing contractors are among the authorized professional categories, but the inspector must also be approved by your insurer. Confirm acceptance of the individual, required form and report scope before booking. Different inspection types may have different qualification requirements.
What should I prepare before contacting Perkins?
Have the property address, insurer’s exact inspection request, deadline, known roof type, available replacement permits and a description of any leaks or storm concerns. Do not climb onto the roof to take photographs. Ask the team how to share any sensitive documents securely.
How much does an inspection cost and how soon can it happen?
The team confirms price and availability after reviewing the property, access, roof size, required report and deadline. An online inquiry is not a confirmed appointment. No inspection fee, completion deadline or insurer acceptance is promised on this page.
What happens if the report identifies a problem?
Discuss the findings and whether maintenance, repair, further investigation or replacement should be considered. Any repair proposal is a separate scope decision. Finding damage does not establish insurance coverage or the cause of every concealed issue.
Your next step
Get a clearer picture
of your roof.
Contact Miami or Jupiter with the property details and report request. The team will confirm scope, availability and pricing.
Request a roof inspectionNo guarantee of renewal, coverage, claim payment or premium savings.
Miami office
305-642-7663 — call the Miami officeMonroe · Miami-Dade · Broward
Jupiter office
561-559-7663 — call the Jupiter officePalm Beach · Martin · St. Lucie