What should a roof inspection report for an insurance company include?
Short answer. A useful report identifies the property and date of loss, shows overview and close-up photos of every slope with test squares or marked damage, notes collateral damage, gives roof measurements and pitch, and states the condition and recommended scope. Plain facts and clear photos carry more weight with an insurer than sales language.
For a storm claim
- Property and roof details: address, approximate roof age, shingle type, number of layers, pitch and size.
- Date of loss and the storm it ties to, with hail or wind reports for the area if available.
- Slope by slope photos: wide shots that identify each slope, then close-ups with chalk marks and a scale reference.
- Test square counts per slope for hail, or locations of creased and missing shingles for wind.
- Collateral damage: gutters, vents, screens, siding and AC fins.
- Interior: ceiling stains or attic leaks, photographed.
- Measurements and scope: squares, ridges, valleys, eaves, flashing, pipe boots, vents and code items such as drip edge.
For an underwriting or renewal requirement
When an insurer asks for proof of roof condition, it usually wants a condition statement, overall photos, the roof's age and estimated remaining life, and a list of any repairs completed with dates. If the roof was replaced, include the permit or final inspection and the invoice.
What weakens a report
Blurry photos, no way to tell which slope is which, claims of damage the photos do not show, and inflated language. Adjusters read many contractor reports, and a measured one is taken more seriously. In Georgia, a contractor may document and estimate but cannot negotiate your claim as your public adjuster, so the report should inform, not argue. See also what roof adjusters look for.