The roof portion of a 4-point inspection takes the following into consideration:
The age of the roof
The age of the roof that may be accepted by an insurance carrier is dependent on the material and the condition of the roof
The life expectancy of the roof
Should have 5 or more years of life remaining
The general condition of the roof
The shape of the roof
Some insurance companies will not insure homes with flat roofs
Some roof shapes (i.e. hip roofs) may qualify for a discount
The type of materials used
Eligible roof materials: Standard or architectural shingles, steel/metal, tile, slate
Roof materials that MAY be ineligible: Rolled shingles (rolled roofing), modified bitumen membrane, built-up (tar &gravel), rubber, tin, wood shake
Signs of damage (including signs of vermin entry)
Overhead obstructions (such as trees)
The roof covering must be in acceptable condition and not show signs of missing pieces, excessive wear, curling, bulging, leaking or sagging. Updates must have been completed as necessary. Some common roof conditions include:
Lifting/curling shingles, wrapped/wavy shingles, deteriorating or missing shingles
Damaged/broken tiles
Patched roofing
Visit our blog for more information on the plumbing, electrical and heating/cooling (HVAC) portions of a 4-point inspection.