What an Insurance Roof Certification Is and When it's Used
An Insurance Roof Certification is a signed attestation documenting a roof’s age, materials, condition, and estimated remaining useful life for insurance underwriting or claims purposes. Typically completed by a licensed roofer, certified inspector, or structural engineer, the form lists installation date, materials, recent repairs, visible defects, and an opinion about leak risk. Insurers use the certification to confirm insurability, set premiums, or require repairs before issuing or renewing coverage. The certification may be submitted electronically or on paper and should comply with ESIGN and applicable state electronic-records laws when e-signed.