The short answer
A roof certification is a signed statement from a qualified roofer or inspector estimating how many years of useful life your roof has left, often 2 to 5. Insurers use it to decide whether to keep covering an older roof. It often costs roughly $75 to $300.
Is this you?
- Your insurer asked for a roof certification before your renewal date.
- You are selling a home and the buyer or lender wants proof of roof condition.
- Your roof is getting older and you want to stay ahead of your insurer.
What’s in a roof certification
- Your address and the roof type and age
- Notes on the roof condition, with photos
- An estimate of remaining useful life
- The signer’s name, license, and signature
Who can sign it
Usually a licensed roofer or a licensed home inspector. Your insurer decides whose signature it accepts, so ask before you book.
Example: Florida
In Florida, a 2022 law says insurers can’t refuse to write or renew a policy only because a roof is less than 15 years old. For older roofs, the insurer must allow an inspection, and if it shows at least 5 years of useful life left, roof age alone can’t be the reason. Rules change, so check the current version with Florida’s Department of Financial Services.
If your roof doesn’t pass
A roofer may list repairs that would let them certify the roof. Get that list in writing and compare it with a second opinion. See your options if your roof fails.
Good to know
Some roofers offer free certifications, hoping to win a replacement job. That can be fine, but if they say you need a new roof, get a second opinion from someone with nothing to sell you.
Want a local roofer to take a look?
A local roofer can check your roof and tell you whether a repair, a roof certification, or a replacement makes sense. Free, with no obligation.
Independent consumer education. We may earn a fee or commission when you contact a partner or buy through links on this site, at no extra cost to you.
Common questions
How long is a roof certification good for?
It depends on the estimate and on your insurer. Many are written for 2 to 5 years. Your insurer may ask for a new one when it runs out.
Does a certification guarantee my insurer will renew?
No. It gives your insurer evidence about the roof, and many accept it, but the final decision is theirs. Send it before your deadline.
Can the same roofer who wants to sell me a roof certify it?
Yes, but it is wise to get a second opinion before agreeing to a full replacement.