There are a few times where you’d especially want to get your roof inspected. Between buying a home, selling it, refinancing or insuring, a roof certification can alleviate your process.
A roof certification is a document that a roof inspector gives you to prove that it is free of defects. It gives you peace of mind that the roof is structurally sound, provides an estimate of how long it will last, and identifies potentially costly repairs. As a homeowner, you can be sure that your roof is safe and that your home will stand the test of time.
4 Times You’ll Want a Roof Certification
Buying a Home
Most people think about the roof over their heads as one of the most important parts of their homes, and for good reason. The roof protects your home from the elements and keeps your family safe and dry. When buying a home, you’ll want peace of mind knowing that your roof will last 5 years from the date of purchase.
In Portland, OR, there are also strict building codes that require a roof certification in order to ensure that your roof meets the minimum standards for safety and durability. This prevents weather damage from posing a safety hazard.
Speaking of weather-related damage, a certified roofer will be more likely to offer a warranty or insurance policy that will cover repairs. Additionally, a roof certification may be required by some lenders before they will finance a home purchase.
Regardless, getting a roof certification in Portland, OR can also help you get discounts on your home insurance premium. Overall, all of these factors lead to a much smoother buying experience so that you don’t need to stress over logistics.
Selling a Home
When you’re selling your home, you need to stand out in the midst of a competitive housing market. This means proving that your home is structurally sound and putting the buyer at ease. You can quell the worries of potential buyers with a roof certification.
As buyers know, there are many reasons to get your roof certified. The first reason is that the weather here can be very harsh and having one will ensure that the roof can withstand the harsh weather.
The second reason to get certified will give the buyer peace of mind. They will know that their roof is in good condition and will not need to be replaced for many years.
This means that a roof certification can help your home stand out to potential buyers. They will know that they do not need to pay for their own roof inspection after moving in or stress about its structural integrity. They also will understand that their property value is as high as possible and that their home is easy to insure.
Ultimately, you’ll close faster, know the present and replacement value of your roof for negotiations, and get the best price for your home. You also won’t lose your sale because of roofing issues.
Refinancing Your Home
In the case of a refinance, the lending company will want to establish the value of the home. This includes a roof inspection and certification of lifespan.
Note that refinancing does not always require a real estate roof certification. However, you will not get the best possible refinancing situation if you cannot present certification that inspectors have confirmed your roof’s integrity. Like potential buyers, lenders and refinancing agencies want to see that your building is in top shape.
Those looking for immediate refinancing also will not be held up by roof inspections. Certification is immediately awarded on a pass/fail basis and remains relevant for 5 years. We also will give you an estimate for how long your roof will last before needing repairs and replacement.
This means that you can show your certification to refinancing companies almost immediately. If your roof fails, you also will be told exactly how to fix it. This means that you won’t need to waste time figuring out what is failing so that you can get almost immediate repairs and certification.
Insuring Your Home
A roof certification inspection is often a necessary part of current and new home insurance policies. Unlike refinancing companies, insurance policies often require certification if you want legally-required home insurance. This is because your roof protects your house and failure can cause leaks, interior water damage, and similar issues.
The insurance company will need to pay more if a claim takes place. A poorly maintained or structurally damaged roof can lead to problems that the insurance company does not want to pay for. You must mitigate damage prior to purchasing a policy.
A quality roofing inspection is also ideal because it means lower insurance payments for you. Depreciation will be taken out of any settlement that you receive after filing a claim, so roofs that are in poor condition will result in a lower payout.
This essentially means that the insurance company only pays for the worth of the roof at the time of the claim. You would be left to make up the difference out of pocket when buying a new roof.
An insurance roof certification is more than just a legal requirement. It also is a step toward lower premiums and higher settlement payments through the insurance agency.
More Peace of Mind with a Roof Certification
There are several other elements that can trigger the need for a roofing inspection. An old age of 20+ years means that it’s time to hire roofing inspectors. A lack of maintenance and upkeep also requires inspection, as does a new roof or major repairs.
In any case, a roof certification is an important document that proves that your roof is up to code and is in good condition. Without one, you could face expensive repairs or even have your insurance company deny your claim.
Getting certification is a smart investment that will protect your home or business. We’re committed to ensuring your safety, integrity, and overall home value. Contact us now to get a quote and schedule a roofing inspection!