Roof insurance coverage, explained

Work out how old the roof is when nobody kept the paperwork

A roof age inspection for a building with no records: what the covering is, what the evidence says about when it went on, and how confident we are in that answer.

Book an inspectionSee what is included

An aged shingle roof with a skylight

What is included

The covering identified

What the roof is made of and how it was laid, which narrows the range of dates it can belong to before anything else is considered.

Physical evidence of age recorded

Markings on materials where they survive, the state of exposed surfaces, sealant and fastener condition, and how the details were formed.

Layers established where we can

How many coverings are on the deck, read from an edge, a drain or an existing opening, and by a small core where you approve one.

Your paperwork reviewed

Invoices, old reports, install documents, warranty papers and anything a previous owner left behind. A document beats an opinion every time.

Historic imagery checked

Where aerial or street imagery of the building exists over time, a change in the appearance of the roof can place a replacement within a period.

Condition assessed separately

Age and condition are different questions and the report keeps them apart, because an old roof in good order and a young roof failing early both exist.

How it works

  1. Send whatever paperwork you have

    Even a single invoice, a warranty card or a note from a previous owner. It often settles in a minute what the roof would take a morning to suggest.

  2. We inspect the roof

    The covering, the details and the markings, looking for the evidence that dates the work rather than only the evidence that describes it.

  3. We weigh the sources against each other

    Documents, markings, layers, weathering and imagery rarely agree exactly. The report says which we trusted and why.

  4. We write the estimate and say how firm it is

    A range, the reasoning, and a plain statement of confidence. An estimate presented as a fact is worse than no estimate.

  5. You hand it on

    The document is yours. Send it to whoever asked for it, or keep it on file with the rest of the building paperwork.

Book an inspection

What decides the price

Roof area and number of sections
A building whose roof went on in phases needs each area dated separately, and that is several assessments rather than one.
Access
Pitch, height, a fragile covering or a need for a lift adds cost before anybody reaches the roof.
How much paperwork exists
A box of documents shortens the job. Nothing at all means the answer has to be built from the roof and from imagery.
Whether an opening is made
Counting layers properly means a small core, which is quoted separately, patched afterwards, and only done with your approval.
Whether you also want a full condition report
Dating the roof and documenting its condition in detail are different pieces of writing, and many owners want both in one visit.
Imagery research
Working through historic images of a building over a period of years is real time, and some buildings are far better covered than others.

We price the job after we know these. We do not publish a rate that ignores them, because it would be wrong for most buildings.

Why age is the question that keeps coming up

A roof age inspection exists because the age of a roof is asked about constantly and recorded almost never. Buildings change hands, managers change, paperwork is thrown out in an office move, and a roof that everybody agrees was done a while ago turns out to have no date attached to it anywhere.

Age is a proxy. What people actually want to know is how much service is left and how likely the roof is to cause a problem, and age is the shortest question that gets near it. That is why it is worth answering properly and worth saying plainly how firm the answer is.

It is also why we assess the condition alongside it. Age narrows the likely answers and settles nothing on its own. Two coverings installed the same month, one detailed well and drained properly, the other patched by four different trades and holding water at every low point, are not in the same place at all.

What evidence can and cannot prove

An inspection can establish what the covering is, how it was installed, what state it is in and how many layers are on the deck. Those are observations.

Age is different. Unless a document or a dated marking turns up, age is an inference, and the report presents it as one: a range, the evidence behind it, and how much weight each piece carries. Where two sources disagree, both go in.

What no inspection can do is produce a date out of nothing. If somebody offers you a precise year for a roof with no paperwork and no markings, ask what it is based on. The honest version of this work often ends with a range wider than anybody wanted, and a note on what would narrow it.

What we stay out of

We inspect and document roofs, and that is where our part ends. We do not sell insurance, we do not advise on cover and we do not decide claims. Your policy document and your carrier govern all of that, and any question about what an age or a condition means for your cover belongs with your agent or your carrier rather than with us.

What you get from us is the thing that is otherwise missing: a dated, reasoned account of what the roof is and what state it is in, written so that somebody who has never been on the building can read it and understand how firm each statement is. What anybody else does with that is not ours to guess at.

Common questions

How do you estimate the age of a roof with no records?

By collecting several kinds of evidence and seeing where they agree. None of them is decisive alone.

  • The covering itself, because a product on a given deck belongs to a range of years
  • Markings: stamps, printing, labels on flashings and dated components at edges
  • Layers, because a roof over an older roof tells you two dates exist
  • Weathering gives a rough clock: the surface, the sealants, the fasteners
  • Historic imagery can place a change in appearance within a period

Details and workmanship tend to follow the practice of their time, which adds another reading. Where a marking survives in a drain or under a hatch it is the strongest single piece of evidence available, and together these sources usually produce a range we can defend.

How accurate is the estimate?

Accurate enough to be useful, rarely accurate enough to be a date, and the report says which. What comes out is normally a range.

  • The width depends entirely on what evidence survived
  • A dated marking, or a document from a previous owner, can make it narrow
  • A common covering with nothing legible and no imagery widens it, and we say so
  • Weathering is the least precise source, because roofs age at very different rates
  • Aspect, traffic, drainage and the original workmanship all change the rate

Two coverings of the same age on the same street can look a decade apart. We would rather give you a wide range that is honest than a single number with nothing under it, and where the estimate matters to a decision we set out what further evidence would narrow it.

The roof was replaced in sections at different times. What then?

Then it has several ages and the report gives each one separately. This is normal on any building that has been added to or repaired in pieces.

  • It is very common on commercial property
  • We draw the boundaries first, because areas are not obvious from the deck
  • A change of material or detail, or a line where the fall alters, marks a phase
  • Each area then gets its own evidence and its own estimate
  • The joints between areas get particular attention

A junction between two coverings installed years apart is a frequent weak point and often nobody has ever owned it. Splitting the building this way matters, because a single average age hides the section that is oldest and most likely to need work, which is exactly what somebody asking about the roof wants to know.

Can you tell the age without making a hole?

Often yes, at least to a range. Plenty of evidence sits in the open if you know where to look.

  • The covering, the way the details were formed, markings at edges and flashings
  • The state of the surface, and the build up visible at a drain or a termination
  • Historic imagery can place a replacement without anyone touching the roof
  • Where it falls short is layers, one of the more important facts about a roof
  • Sometimes an existing opening answers it, such as a drain sump or a hatch edge

Knowing whether there is one covering on the deck or three changes what the age means and what the options are later. Where nothing open answers it, a small core is the way: a cut through the layers, a look, a photograph and a proper patch, and we ask before doing it.

The roof is old but sound. Is it still worth documenting?

Yes, and arguably more than a new one. A roof that has passed the age people expect it to reach, and is still doing its job, is a roof whose condition nobody will take on trust.

  • Only somebody going up, looking properly and writing it down settles it
  • With photographs and a date
  • Repeat that every year or two and you have a record rather than a single report
  • It shows a roof being maintained and staying sound
  • Keep the repair invoices with it

That is not a claim about age at all, it is a description of how the building is being run. On what it means for any policy we are the wrong people to ask: we inspect and document roofs, we do not advise on cover and we do not decide claims, and that belongs with your agent or carrier.

Book a roof condition report

Three things and we will call you back. No obligation.

Or call (702) 500-0670