What is a Roof Certification?
The Roof Certification period is usually for 1 or 2 years and can be up to as many as 5 years. But, be very careful, a Roof Certification is not always a Roof Warranty against future roof leaks. Unless you have done business with a certain Roofing Contractor, you will need to know what their Roof Certification is all about, and what is included in, or excluded from, their Roof Certification.
REPORTS: HOME INSPECTION VS ROOF INSPECTION
When a Home Inspector performs an inspection, they usually examine several different components, including your roofing system and covering. During this examination, the inspector will observe the condition of the following:
- Visible roofing materials
- Visible portions of roof flashings, roof soffitts and fascia
- Visible roof vents, skylights, chimneys and roof penetrations
- Other accessories visible from the exterior.
A Home Inspector typically does NOT perform the following:
- Warrant or certify that roof systems, coverings, or components are free from leakage
- Predict roof service life expectancy
- Walk on steep pitched roof surfaces
- Warrant or certify roofs; confirm proper fastening
- Determine manufacturer’s defects, exceptions, installation methods or recalls
- Determine the number of roofing layers
- Provide roof repair estimates for any roofing problems that they have found and noted in their Home Inspection Report.
Why get a Roof Certification?
- A property owner will have peace of mind that their roof will not be a problem in the near future.
- Purchasing a home as part of the buyer inspection process
- When a seller is listing a property to be made aware of a roof problem that could affect their transaction
- When a roof certification is required by a lender as a condition of loan funding
- When a roof certification is required by a home owner insurance policy
- When a roof certification is required by a buyer, before closing on a property that they are purchasing, to make sure that the roof isn’t going to be a problem after they move into the home.
WHEN IS A ROOF CERTIFICATION NEEDED?
In most cases, the requirement for a Roof Certification arises at the time that a Buyer is purchasing a home. A Buyer typically hires licensed professionals to inspect the home that they are looking to purchase. These inspections can alert the Buyer to roof problems that will require roof repairs and the issuance of a Roof Certification prior to closing on their home purchase.
The lender’s appraiser can also find roof problems that will require the issuance of a Roof Certification as a condition prior to: drafting loan documents, funding the loan, or closing the loan. An insurance company underwriter may decline a homeowner insurance policy on a home until they have received a Roof Certification to mitigate their risk on a home with a questionable roof. With many of the homes being bank owned, and being sold as-is, it is wise to obtain a Roof Certification to make sure that the roof will not be a problem in the near future.
Know what’s included in your Roof Certificate.
- Make sure your Roof certification is a warranty from future roof leaks for the entire roof
- Make sure your roof certification has a No-dollar limit on a future roof repair.
- Make sure your roof certification is transferable to a subsequent owner
MAKE SURE YOUR ROOF CERTIFICATION IS A WARRANTY FROM FUTURE ROOF LEAKS FOR THE ENTIRE ROOF
Because there is no standard definition for a Roof Certification, it is critical to understand what the Roofing Contractor is promising when they issue their Roof Certification. Just because you have been issued a Roof Certification does not mean that this Roof Certification is a Warranty from future roof leaks. A typical Roof Certification will describe what is being certified and will contain a list of exclusions or pre-existing conditions that are specifically not covered by the Roof Certification.
Many Roof Certifications are required as a condition of buying or selling a home, escrow closes, and the roof subsequently leaks, only to find out that the new leak repair is not covered under the Roof Certification because of an exclusion, a pre-existing condition, a dollar limitation, or that the Roof Certification was not a Leak Warranty.
A Roof Certification can also state that it is not a warranty against future leaks, which means that if there is a subsequent leak, the Homeowner is required to fix the leak at their own expense. Some Roof Certifications may only apply to a repair that was recently completed but not cover the rest of the roof. Be absolutely certain that you understand, whether or not, your Roof Certification is a Warranty for repairs from any future roof leaks for the entire roof, otherwise it is worthless to you.
MAKE SURE YOUR ROOF CERTIFICATION HAS A NO-DOLLAR LIMITATION ON A FUTURE ROOF REPAIR
Nationwide home warranty companies will offer their home warranty with optional roof coverage for an additional fee. But, these home warranty companies will never inspect the roof before the issuance of their home warranty policy and therefore the condition of the roof is not known. Problems arise after the issuance of their home warranty policy when there is a subsequent roof leak. The homeowner then has to pay up to $100 for a service charge to have the roof inspected by an outside roofing contractor hired by the home warranty company, who may find that substantial roof repairs are needed or that a roof replacement is required. Then the homeowner realizes that they will have to pay for a majority of these roof replacement or roof repair costs because of the dollar limitation described in their home warranty policy.
Those roofing companies who perform a Roof Inspection, then perform the roof repairs described in their Roof Inspection Report, and then issue a Roof Certification and Leak Warranty with a dollar limitation are attempting to transfer the risk of any future roof leak back onto the homeowner for their company’s failure to find present and future roof leak conditions. We do not feel that it is good business practice to issue a roof leak warranty and then apply a dollar limitation to the warranty on any future roof leak. Any Roof Certification or Leak Warranty that contains a dollar limitation is not in your best interest and should be declined. Be absolutely certain that you understand whether or not your Roof Certification has a dollar limitation for any future roof leaks.
Ask about our “No-Dollar limitation roof certification leak Warranty”
WHAT IS A “NO-DOLLAR LIMITATION ROOF CERTIFICATION LEAK WARRANTY”?
AFTERMATH RESTORATION has eliminated all of the confusion and uncertainties surrounding Roof Certification with our “No-Dollar Limitation Roof Certification Leak Warranty”. Our “No-Dollar Limitation Roof Certification Leak Warranty” is offered for a period of either 2 or 3 years, and will not only certify the roof, but will warranty the entire roof from leaks during its term. If a roof leak were to occur, during the term of the “No-Dollar Limitation Roof Certification Leak Warranty”, then we will complete the leak repair FREE of charge. But, most importantly, there is NO dollar limitation to repair a future roof leak, and the certification is transferable to any subsequent homeowner and is enforceable during the term of the certification.
Since AFTERMATH RESTORATION did not originally install the roof that is being certified, we may be unable to determine certain roof conditions at the time that our “No-Dollar Limitation Roof Certification Leak Warranty” has been issued. Therefore, interior water damage caused by a future roof leak is not covered under our “No-Dollar Limitation Roof Certification Leak Warranty”. Usually interior water damage is claimed against the homeowner insurance policy. Our “No-Dollar Limitation Roof Certification Leak Warranty” does not cover roof leakage caused by future wind damage or by acts of God, or any flat-roof areas on the home.
A AFTERMATH RESTORATION “No-Dollar Limitation Roof Certification Leak Warranty” is a warranty from future roof leakage and is not a roof-replacement warranty, nor is it a guarantee that the roof will not leak. It is our obligation to do what it takes to repair a subsequent roof leak that we have certified with our “No-Dollar Limitation Roof Certification Leak Warranty”. AFTERMATH RESTORATION has never had a roof leak that we were unable to repair that was covered under our “No-Dollar Limitation Roof Certification Leak Warranty”. (Restrictions and conditions may apply. Read our “No-Dollar Limitation Roof Certification Leak Warranty” for details.)
MAKE SURE YOUR ROOF CERTIFICATION IS TRANSFERABLE TO A SUBSEQUENT OWNER
HOW TO ORDER A NO-DOLLAR LIMITATION ROOF CERTIFICATION LEAK WARRANTY
Ordering a “No-Dollar Limitation Roof Certification Leak Warranty” is simple. Contact AFTERMATH RESTORATION via our website, telephone or email and request our FREE Roof Inspection. Once our FREE Roof Inspection has been completed, a FREE Roof Report and estimate for repairs is issued which describes any current roof conditions that need immediate corrective action, and any current roof conditions that will lead to future roof problems if not immediately corrected. Simply sign the estimate for repairs authorizing any necessary repairs to be completed and return it to us via email or FAX. Once we have received the signed authorization we can immediately issue our “No-Dollar Limitation Roof Certification Leak Warranty”, in order not to hold up the loan or real estate transaction, and the repairs are then scheduled for completion.