Roof inspections · South Florida Know the roof. Document the facts.

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.

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.

Roof certification is the everyday name for a roof condition report: an inspection that states the roof’s type, age, condition and remaining useful life, with photographs. Insurers often ask for it when a roof is older than they would otherwise accept, and many supply their own form; Citizens publishes a sample Roof Inspection Form (RCF-1). Confirm the required form and that your insurer accepts the inspector before booking.

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.

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.

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.

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.

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.

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.

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.