Your insurance company asked for a roof certification? We handle it.
A roof certification is a signed report that tells your insurer your roof's material, age, condition and estimated remaining life, with photos of every slope. We inspect, photograph and write it up. You don't need to be home.
ROOF CONDITION REPORT
- Roof covering
- Architectural asphalt
- Roof age
- 17 years
- Layers
- 1
- Remaining useful life
- 6–8 years
- Signs of leaks
- None observed
- Overall condition
- Satisfactory
Signed & dated
"Wait, why is my insurance company suddenly asking about my roof?"
You didn't do anything wrong. Insurers are looking harder at roofs everywhere, and Minnesota's hail makes roofs a big deal to them.
They may have already seen it from the air
Insurers use planes and drones to photograph homes. One program covers about 99% of the U.S. population, and flagged images can lead to a non-renewal. A close-up, dated inspection shows what's actually there.
Older roofs get treated differently
Some insurers now pay only the depreciated value (actual cash value) on older roofs, or raise deductibles. The Insurance Federation of Minnesota told the Star Tribune the market is changing.
Years: a typical asphalt roof's life
3-tab shingles are rated about 20 years and architectural about 30. Once a roof gets close, insurers want proof of how much life is left.
Sources: The Wall Street Journal, reported by HousingWire, Apr 8 2024; Star Tribune, Apr 19 2024; InterNACHI life-expectancy chart.
How much time do I actually have?
In Minnesota, an insurer has to give you at least 60 days' written notice with the specific reason before it refuses to renew or cuts your coverage. If the issue is a condition they want fixed, the rules require two written requests first, and the first one has to tell you the deadline.
- That window goes fast. Around 107 days a year in the Twin Cities never get above 40°F, and a snow-covered roof can't be photographed.
- Send us the due date on your letter. We plan backward from it.
Sources: Minn. Stat. § 65A.29, subd. 7 and 9; Minn. R. 2880.0200 (item E). Cold days: local weather records for Minneapolis-St. Paul, 30 winters, July 1996 to June 2026: an average of 107 days a year never get above 40°F (range 76 to 136). This is general information, not legal advice. Read your own notice and ask your agent.
"What exactly does my insurance company want to see?"
Insurance roof forms ask for the same things. Our report covers every one, so your agent doesn't send it back asking for more.
Swipe the table sideways →
| What the insurer asks for | Basic letter | Standard report | Premium |
|---|---|---|---|
| Material, age, layers | ✓ | ✓ | ✓ |
| Overall condition, signed & dated | ✓ | ✓ | ✓ |
| Remaining useful life (years) | ✓ | ✓ | ✓ + written reasoning |
| Photos of every slope + each finding | Key photos | ✓ | ✓ |
| Damage & leak checklist, flashing, penetrations | Summary | ✓ | ✓ |
| Drone overhead of the whole roof | — | If needed for access | ✓ |
| Thermal scan for hidden moisture | — | — | ✓ |
| Re-inspection after repairs | — | — | ✓ |
Source: the most detailed insurer roof checklist published in the U.S. is the Citizens Property Insurance Roof Inspection Form (RCF-1 03 25) and its 4-Point Inspection Form (Florida). Minnesota insurers don't share one standard form, but they ask for the same items. Layers and certification length: NRCIA.
"What will you actually look at up there?"
Everything an underwriter might ask about, photographed so they don't have to take our word for it.
"Do I need to be home?"
We inspect from the ground, a ladder and the air, then email you the report. You get a text when we're on the way and when the report is ready. Want the attic checked too? Pick a time and we'll do it with you there.
We come to the house. You don't have to.Request
2-minute form below: address, why you need it, and your due date.
Inspect
Ground, ladder and drone. Every slope, flashing and penetration.
Document
Photos, condition, layers, damage and leak signs, remaining-life estimate.
Deliver
Signed PDF emailed to you. Forward it to your agent, or we fill in your insurer's form.
Turnaround: we schedule around your insurer's due date. Put it in the form, or call if it's this week.
"Which report do I need?"
If your insurer just wants a letter, get the letter. If the roof is older or you've had hail, the photo report gives the underwriter fewer reasons to ask again.
Roof Condition Letter
- Exterior inspection, ground + ladder
- Material, age, layers
- Overall condition + remaining-life estimate
- Key photos
- Signed, dated letter (PDF)
Certification Report with Photos
- Everything in Basic, plus:
- Photos of every slope + each finding
- Damage and leak checklist
- Flashing, valleys, vents, penetrations
- We fill in your insurer's form if they sent one
Drone + Thermal + Remaining Life
- Everything in Standard, plus:
- Drone overhead of the whole roof
- Thermal scan for hidden moisture
- Remaining-life estimate with written reasoning
- Re-inspection after any repairs
Prices depend on roof size and access. We give you the price before anything is scheduled. A roof certification documents condition on the inspection date. It is not a warranty.
"What if my roof doesn't pass?"
Then you find out now, with time to fix it, instead of from a non-renewal letter.
You get the signed report
Condition, remaining life and photos. Forward it to your agent.
You get a written repair estimate
Loose flashing, a few shingles, a pipe boot. After repairs, we re-inspect and update the report.
You get the facts, in writing
We document what we see and explain your options, including replacement quotes if you want them.
"How long is my roof supposed to last?"
Typical life by material. Minnesota hail, ice dams and poor attic ventilation can shorten it. That's why insurers want a real inspection, not just a birth date.
Source: InterNACHI Standard Estimated Life Expectancy Chart for Homes. Light bars show a range. Slate runs to 150 years. Typical values, not a promise for any one roof.
"I'm selling, buying or refinancing. Does this work for me too?"
Selling
Answer the roof question before the buyer's inspector does. Give buyers a signed report with photos instead of a guess.
Certify before I list →Buying
Know what's over your head before closing, and have a report ready for the insurer you're about to call.
Order during my inspection period →Refinancing
If the lender or appraiser flags the roof, a licensed contractor's report shows its real condition.
Get a report for my lender →Realtor? Call (612) 354-7677 to set up roof reports for your listings.
"OK, how do I get started?"
Four quick steps: the address, your roof, a good time, and how to reach you. We'll call or text with the price before anything is booked.
- Photos of every slope
- Remaining-life estimate in years
- Signed by a Minnesota-licensed contractor, BC695228
- Emailed PDF you can forward to your agent
Deadline this week? Call now: (612) 354-7677
Roof certification questions, answered.
What is a roof certification for insurance?
It's a signed report from a licensed contractor that tells your insurance company what your roof is made of, about how old it is, what condition it's in, and an estimate of how many years of useful life it has left, backed by photos of every slope. Insurers use it to decide whether to write or renew a policy on an older roof.
Do I need to be home for the inspection?
No. We inspect the roof from the outside: ground, ladder and drone. We email you the report. If your insurer also wants the attic or ceilings checked for leaks, we'll set a time that works for you.
Is this the same as a 4-point or wind mitigation inspection?
Not exactly. The 4-point inspection (roof, electrical, plumbing, heating) and the wind mitigation form (OIR-B1-1802) are Florida insurance forms. Minnesota insurers usually just ask about the roof. If your insurer sends you its own form, send us a photo of it and we'll fill in the roof part. We're roofers, so we don't sign off on wiring or plumbing.
Will my insurance company accept it?
We can't promise that, and nobody honest can. Your insurance company makes its own decisions. What we can do is give them what insurers ask for: material, age, remaining life, condition, damage and leak signs, photos of every slope, and a dated signature from a Minnesota licensed contractor (BC695228).
Is a roof certification a warranty?
No. It documents the roof's condition on the day we inspect it and gives our professional estimate of remaining life. It isn't a guarantee that the roof won't leak or get damaged later.
What if you find storm damage?
We photograph and document it and explain what we found in plain English. What you do next with your insurance company is your decision. We inspect, document and explain; we don't negotiate with insurers or act as a public adjuster.
How much does a roof certification cost?
It depends on the roof size and which report you need. Call (612) 354-7677 or send the form and we'll give you the price before anything is scheduled.
How fast can you do it?
Tell us your insurer's due date in the form. We schedule around the deadline. In Minnesota, snow can cover a roof for weeks, so don't wait until winter if your letter says the report is due soon.
You'll never have to wonder what's happening.
The #1 complaint about contractors is "they stopped calling me back." Our system texts and emails you at every step, from the moment you book to the final walkthrough.
Appointment confirmed
Text and email confirmation the moment you book, plus a reminder before we arrive.
"You're booked for Tue 10 AM ✓"On our way
A heads-up text when your inspector or crew is headed to your home. No waiting around.
"On our way, 20 min out"Photos of everything
You see what we see: a photo report of every finding, yours to keep.
"Your photo report is ready"Every stage, updated
Materials ordered, crew scheduled, install day, final walkthrough. You hear about each step as it happens.
"Materials delivered for Thursday"A real person answers
Questions? Call or text and talk to our team, not a phone tree.
"Got it, we'll check and text you back"Informed at every step. That's the Repair King standard.
Storm hit? Leak showing up? Let's look at it this week.
Free inspection, photo report, straight answer.