What If My Insurance Company Is Requesting a Roof Inspection?


If your insurance policy is up for renewal soon, you may get a letter from your insurance company saying they need to perform a roof inspection to make sure there aren’t any issues that could lead to a claim being denied.

But what exactly will they look for? Do you need to do any prep work before they come? Read on to find out what our Greenville residential roofing experts think you need to know about the roof inspection process with your insurer.

What to Expect During a Roof Inspection

When your insurance company requests a roof inspection, they want to ensure your roof is in good working order before offering coverage or renewing your policy. After all, the roof is one of the most essential parts of any home—if it’s damaged or deteriorating, it leaves the rest of the structure vulnerable to the elements.

Don’t worry. Roof inspections are quite straightforward and non-invasive.

The inspector will note details about your roof, like its age, material (asphalt shingles, metal, tile, etc.), and overall condition. Old or failing roof materials may need replacement to qualify for insurance coverage. The inspector will check that the flashing is properly secured with no visible damage or corrosion.

The inspector will walk around the entire roof and look for any signs of damage like cracked, curled or missing shingles, punctures or dents in metal roofs, or water stains on exterior walls, which could indicate a leak. They may go up on the roof to get a closer look, especially around air vents, skylights or chimneys where leaks are common.

experienced roofers will examine the condition of your roof

Preparing for the Inspection

To prepare for the upcoming inspection, do a quick once-over of your attic and roof. Inspect your roof and look for any signs of water damage or leaks.

Stains on the underside of the roof, water spots on insulation, or moisture along the edges of the attic indicate an active leak or weak spot in the roof. Have any leaks repaired before the inspection to avoid penalties or cancellation of your policy.

Potential Outcomes of a Roof Inspection

A roof inspection by your insurance company can have several possible outcomes. The best-case scenario is that your roof is in good condition, with no major signs of damage or deterioration. Your policy will likely remain unchanged in this case.

The inspector may discover minor issues that need fixing, like loose shingles, leaks, or dents. Your insurance company will request that you make necessary repairs to address these problems within 30 to 90 days.

If the inspection reveals significant damage or aging, leaks, water damage or structural issues, your insurance company may determine that full or partial roof replacement is needed to continue coverage.

Reach Out to Lanier Roofing for All Your Roof Repair Needs

Lanier Roofing has served Greenville and surrounding upstate communities for over 20 years. Our roofers and inspectors have over 100 years of combined experience to bring to your roofing project. We are rated one of the best roof repair contractors in Greenville and specialize in working with insurance companies to restore your roof to like-new condition.

If your insurance company has requested a roof inspection, don’t delay. Call Lanier Roofing today at (864) 990-4836 for a free estimate. We will evaluate your roof, determine any necessary repairs, and work directly with your insurance provider to approve your claim and schedule your work.

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