A roof certification (roof condition inspection) documents a roof's covering type, age, condition, and estimated remaining useful life for an insurance company or lender. Florida insurers often request it for older roofs, and under Florida law an inspection showing at least 5 years of remaining useful life can help keep a roof 15 years or older insurable. The inspection takes about 30 to 45 minutes, using a drone when needed.
At a glance
| Price | Free quote — depends on the size and age of the home |
|---|---|
| Inspection time | About 30–45 minutes |
| Report delivery | 24–48 hours, with photos |
| Report validity | Usually accepted for up to 12 months (varies by insurer) |
| Tools | Drone (FAA-certified pilot), moisture meter |
| Languages | English and Spanish |
What the roof certification reports
- Roof covering type — shingle, tile, metal, or flat/modified bitumen.
- Approximate age and the date of the last roof permit when available.
- Estimated remaining useful life.
- Visible damage, missing or cracked material, soft spots, or signs of leaks.
- Signs of prior repairs and the condition of flashing and penetrations.
Drone roof inspection
Tile, steep, or fragile roofs are not always safe to walk. As an FAA-certified drone pilot, the inspector can photograph the entire roof surface from the air without damaging tiles, and the photos are included in the report.
Florida roof age and insurance
Under Florida law (section 627.7011, Florida Statutes), an insurer may not refuse to write or renew a homeowners policy solely because a roof is less than 15 years old. For roofs 15 years or older, an inspection showing at least 5 years of remaining useful life can prevent a refusal based only on age. Rules and underwriting still vary, so confirm with your agent.