Roof insurance coverage, explained

Topics

Every subject covered on Roof Insurance Guides, grouped so you can read a whole area rather than one page of it. Each page is dated and says who wrote it.

A commercial low slope roof seen from above, with ducting and rooftop units

Recently updated

The newest changes across the site. Every page carries the date it was last reviewed.

PageWhat it coversKindUpdated
Commercial inspectionA commercial roof inspection for insurance: a dated condition record for an owner or a manager. We inspect and document. We do not sell insurance.services
Roof ageA roof age inspection when the records are missing: how age is estimated from the covering and the evidence, and what can and cannot be established.services
Roof certificationA roof certification inspection: what the document states, the evidence behind it and its limits. An opinion of condition, not a warranty.services
Condition reportA roof inspection for insurance: a dated condition record with photographs for a renewal, an application or a file. We inspect and document only.services
CommercialHow commercial property insurance treats roof damage, the documentation insurers expect, and how maintenance records support a commercial roof claim.articles
CoverageWhat homeowners insurance usually covers on a roof, what it excludes, and how leaks, wind, hail and wear are treated. Read your own policy to confirm.articles
Policy TermsActual cash value, replacement cost, recoverable depreciation, and wind and hail deductibles explained in plain English for homeowners.articles
PremiumsHow roof age, material and wind resistant features can affect homeowners insurance premiums, and what to tell your insurer after a new roof.articles

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