Insurance companies inspecting your roofs and how it can affect your insurability

Insurance companies typically inspect roofs for insurability using several methods:

1. Physical Inspection: An insurance adjuster or inspector visits the property to visually assess the roof’s condition. They look for signs of damage, wear and tear, or any potential issues that could lead to future claims.
2. Aerial Inspection: Some insurance companies use drones or aerial imagery to assess the condition of roofs. This method allows them to get a detailed view without physically accessing the roof.
3. Satellite Imagery: In some cases, insurance companies may use satellite imagery to assess the roof condition. This method provides a broad overview and can help identify potential risks.
4. Homeowner Reports: Insurance companies may rely on reports from homeowners regarding the age, condition, and recent maintenance of the roof. These reports can influence the decision on insurability and premiums.
5. Roof Certifications: Some insurance companies require certifications from licensed roof inspectors or contractors to verify the condition of the roof. These certifications often include details on the roof’s age, materials used, and any recent repairs.
6. Risk Assessment Models: Insurance companies may use proprietary risk assessment models that take into account various factors, including the roof’s age, location, and type of materials, to determine insurability and premiums.

The specific method used can vary depending on the insurance company’s policies, the age of the roof, previous claims history, and regional weather patterns. Regular maintenance and timely repairs can often improve the chances of a roof being deemed insurable and can potentially lower insurance premiums.  If you have replaced your roof recently be sure to let your insurance agent know.