What happens in a homeowners insurance roof inspection?
What the inspector looks for
- Approximate age and material, compared with what was reported on the application.
- Curling, cracking, missing or mismatched shingles and visible patches.
- Bare spots from granule loss, heavy staining, moss and lichen.
- Debris, pine straw buildup, overhanging limbs and tarps.
- Damaged flashing, sagging areas and gutters pulling away.
If you get a letter
A typical letter lists conditions and a deadline. Some ask for a repair, some ask for proof the roof was replaced, and some simply announce a coverage change or non-renewal. Call your agent or the insurer and ask exactly what will satisfy the requirement, then get that answer in writing. If you believe the inspector got it wrong, for example calling a 10 year old roof 20, a written condition report from a licensed roofer with dated photos is your best response. Robust Roofing walks through this in its guide to insurer inspection letters.
Repair, replace or file a claim?
If the inspection turned up storm damage you did not know about, that may be a separate covered claim, and it should be documented before anything is repaired. If it found wear, the fix is maintenance or replacement at your own expense. Knowing which is which matters; see wear and tear vs hail damage and how roof age affects insurance.
Many Georgia homeowners first learn their insurer reviewed the roof when the letter arrives, because aerial imagery requires no visit and no notice.