Licensed & Insured | #CCC1331721

Can't Get Insurance? Get A Free Roof Inspection & 5-Year Certification

Florida’s insurance crisis demands roof certifications. MM Roof Repair provides comprehensive inspections with thermal imaging, drone photography, and insurance-approved 5-year certifications. Keep your coverage, protect your home value, and catch problems before they become expensive repairs. Licensed CCC1331721 serving all Palm Beach County properties.

Schedule your FREE Roof Inspection/Estimate Today!
Enjoy the 5-Year Insurance Certification!

What Palm Beach County Homeowners Say

Don't just take our word for it - see what your neighbors have to say about our inspection and certification services:

Free Roof Inspections & 5-Year Certifications in Palm Beach County

Your insurance company is demanding a roof certification. Your home sale is stalled pending roof documentation. Your policy renewal is at risk without proof of roof condition. If any of these scenarios sound familiar, you're experiencing Florida's insurance crisis firsthand.

Mike McGilvary Roofing provides comprehensive free roof inspections and professional 5-year roof certifications throughout Palm Beach County. Since 1974, we've helped thousands of homeowners navigate insurance requirements, complete real estate transactions, and maintain coverage in Florida's challenging insurance market.

🏠 The Florida Roof Certification Crisis

Florida's insurance companies now require roof certifications for policy approval, renewal, and home sales. Without proper certification documenting your roof's condition and expected lifespan, you can't maintain coverage or complete real estate transactions. This is not a roof warranty - it's an independent professional assessment that insurance carriers and title companies require.

Our 5-year certifications solve this problem, providing the documentation you need to stay insurable and keep your home sellable in today's market.

Comprehensive Inspection & Certification Services

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Free Professional Roof Inspections

Get an honest, comprehensive roof inspection at no cost. We use thermal imaging technology to detect hidden moisture and assess structural integrity. You'll receive a detailed report identifying any issues, their severity, and recommendations - with no obligation to proceed with repairs.

  • Completely free - no hidden fees
  • Thermal imaging leak detection
  • Detailed written assessment
  • Digital photo documentation
  • Honest repair recommendations
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5-Year Roof Certifications

Our 5-year roof certification is a comprehensive professional inspection and certification service that confirms your roof's current condition and expected remaining lifespan. This documentation satisfies insurance company requirements and enables real estate transactions.

  • Satisfies insurance requirements
  • Enables home sales and refinancing
  • Licensed contractor certification
  • Comprehensive documentation package
  • Accepted by all major insurance carriers

Why Roof Certification Is Critical in Florida

⚠️ Florida's Insurance Requirements Have Changed

Since 2022, Florida insurance carriers have dramatically tightened roof requirements. Many companies now refuse coverage without current roof certifications, reject policies for roofs over 15 years old, or require proof of remaining lifespan before renewal. Without proper certification, you can lose coverage, face non-renewal, or be unable to sell your home.

When You Need Roof Certification

🏡 Home Sales & Real Estate

Buyers' insurance companies require roof certifications before issuing policies on purchased homes. Title companies won't close without proof the roof meets insurance standards. Selling without certification means deals fall through at closing.

🏦 Refinancing & Mortgages

Lenders require insurance for refinancing, and insurance companies require roof certifications. Without certification, you can't refinance your mortgage or access home equity.

📄 Insurance Policy Requirements

New policy applications, policy renewals, and carrier changes all require roof certification in today's Florida market. Insurance companies won't issue or renew coverage without current documentation.

🔧 After Roof Repairs

Once roof repairs are completed, insurance companies require certification confirming the roof is restored to acceptable condition and documenting expected remaining lifespan.

Professional roof inspection and certification in Palm Beach County by Mike McGilvary Roofing

Certification vs. Warranty: Understanding the Difference

Many homeowners confuse roof certifications with roof warranties - they are completely different services.

5-Year Roof Certification (Insurance Document)

A certification is an independent professional inspection and assessment that confirms your roof's current condition and certifies its expected remaining lifespan. This is what insurance companies, title companies, and lenders require. It's a snapshot assessment stating "this roof is in acceptable condition and should last X more years."

Workmanship Warranty (Repair Guarantee)

A warranty guarantees our repair work itself. When we complete residential roof repairs, we provide a 2-year workmanship warranty covering our labor and installation. This is separate from certification.

You can get certification without repairs if your roof is in good condition. You receive warranty when we perform repair work. Both serve different purposes and address different needs.

Our Professional Inspection & Certification Process

We've perfected our inspection process over 55+ years serving Palm Beach County homeowners:

1

Comprehensive Roof Assessment

We conduct a thorough inspection of your entire roofing system including surface materials, underlayment condition, flashing integrity, valleys, penetrations, and drainage systems. Advanced thermal imaging detects hidden moisture that visual inspection alone would miss.

2

Structural & Safety Evaluation

We assess structural components including decking condition, truss integrity, ventilation adequacy, and compliance with current Florida Building Code requirements. This identifies any safety concerns or code violations that could affect insurability.

3

Digital Documentation Package

You receive comprehensive documentation including high-resolution photographs, thermal imaging results where applicable, detailed condition assessment, identified issues with severity ratings, and estimated remaining roof lifespan. This package is what insurance companies and title companies need.

4

Honest Recommendations

If repairs are needed before certification can be issued, we provide detailed written estimates. If your roof qualifies for immediate certification, we issue it. We never recommend unnecessary work - we give you an honest assessment of what your roof needs to meet insurance requirements.

5

Official Certification Issuance

Upon qualifying, we issue your official 5-year roof certification on our licensed contractor letterhead with our CCC1331721 license number. This document satisfies insurance company requirements, enables real estate closings, and documents your roof's condition for lenders.

Comprehensive Components We Inspect

🏠 Roofing Materials

Tile condition (clay & concrete), shingle integrity, metal panel systems, flat roof membranes, material degradation, UV damage, and expected remaining lifespan assessment.

💧 Water Barriers

Underlayment condition, secondary water barriers, ice and water shield placement, moisture intrusion evidence, and thermal imaging leak detection throughout the system.

🔧 Flashing Systems

Valley flashing integrity, chimney flashing condition, vent pipe boots, roof-to-wall transitions, drip edge installation, and all penetration sealing effectiveness.

🏗️ Structural Components

Roof decking condition, truss integrity, sagging detection, structural damage assessment, and load-bearing capacity verification for Florida wind requirements.

🌊 Drainage Systems

Gutter condition and attachment, downspout functionality, proper slope verification, drainage adequacy, ponding water detection, and scupper operation on flat roofs.

💨 Ventilation Systems

Attic ventilation adequacy, ridge vent operation, soffit vent function, ventilation balance, and proper air circulation critical for Florida's climate.

Free Roof Inspections Throughout Palm Beach County

We provide free inspections and roof certifications in all Palm Beach County communities:

Serving all single-family homes, townhomes, and residential properties across Palm Beach County and South Florida.

Complete Roofing Services

Beyond inspections and certifications, we provide comprehensive roofing services:

Why Palm Beach County Homeowners Trust Our Inspections

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55+ Years Experience

Established in 1974, we've conducted thousands of roof inspections across Palm Beach County. We know every roofing system, every architectural style, and every insurance company requirement.

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Florida Licensed CCC1331721

We're a Florida state-licensed roofing contractor with active license CCC1331721. Our certifications carry the weight of professional licensing and meet all insurance company standards.

BBB A+ Accredited

Better Business Bureau A+ accreditation since 2023 and 4.5-star customer ratings reflect our commitment to honest, thorough inspections and professional service.

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Thermal Imaging Technology

We use advanced thermal imaging cameras to detect hidden moisture, insulation defects, and leak patterns invisible to visual inspection alone. This ensures nothing is missed.

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Comprehensive Documentation

Our inspection reports include everything insurance companies and title companies require - photos, condition ratings, code compliance verification, and professional certification.

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No Sales Pressure

We're not salesmen pushing unnecessary replacements. If your roof qualifies for certification, we certify it. If repairs are needed, we provide honest recommendations and fair pricing.

Common Certification Scenarios We Help Solve

🏡 "My home sale is stalled - buyer's insurance won't approve without roof certification"

This is the most common scenario we handle. Buyers secure financing but their insurance company refuses coverage without current roof certification. We provide same-day inspection scheduling and can issue certifications within 24-48 hours if the roof qualifies, getting your sale back on track.

📄 "My insurance company sent a non-renewal notice citing roof condition"

Florida insurance companies increasingly non-renew policies based on roof age or condition. Our inspection determines if simple repairs can restore insurability or if certification alone satisfies requirements. We work with your timeline to prevent coverage gaps.

🏦 "My lender requires roof certification for refinancing approval"

Mortgage lenders require insurance, and insurance requires roof certification. We coordinate with closing dates to ensure you receive certification documentation in time for loan approval. Rush service available when needed.

🔧 "I completed roof repairs - now insurance wants proof it's fixed"

After completing roof repairs, insurance companies require certification confirming work quality and restored condition. Our post-repair inspections document repairs performed, verify code compliance, and certify expected remaining lifespan.

❓ "I don't know if my roof qualifies for certification"

That's why we offer free inspections! We assess your roof's condition, identify any issues, and explain what's needed for certification. If minor repairs are required, we provide written estimates. No surprises, no pressure - just honest professional assessment.

Frequently Asked Questions About Roof Inspections & Certifications

How much does a roof inspection cost?

Our roof inspections are completely free with no obligation. We provide comprehensive inspection services at no cost because we want you to know your roof's true condition before making any decisions. The 5-year certification service (which includes inspection plus official documentation) has a separate fee, but the initial inspection to determine if you qualify is always free. Call (561) 856-5060 to schedule your free inspection.

What's the difference between a roof certification and a roof warranty?

A roof certification is an independent inspection and professional assessment that documents your roof's current condition and expected remaining lifespan - this is what insurance companies and title companies require for coverage and real estate transactions. A roof warranty guarantees the quality of repair work performed. When we complete roof repairs, we provide a 2-year workmanship warranty covering our labor. These are separate services addressing different needs. You can get certification without repairs if your roof is in good condition.

How long does a roof inspection take?

Most residential roof inspections in Palm Beach County take 45-90 minutes depending on roof size and complexity. We inspect all accessible areas including roof surface, attic spaces, interior ceiling areas for moisture evidence, and all exterior components. Thermal imaging adds 15-20 minutes but provides valuable hidden moisture detection. You'll receive preliminary findings on-site and a comprehensive written report within 24-48 hours.

Will my roof pass inspection and qualify for certification?

That depends on its condition! Roofs qualify for 5-year certification when they're structurally sound, watertight, and have sufficient remaining lifespan (typically 5+ years) based on material type and current condition. Minor issues like a few broken tiles or missing shingles can often be quickly repaired to enable certification. Major issues like failed underlayment, extensive deterioration, or structural damage may require more substantial roof repairs before certification is possible. Our free inspection determines exactly where your roof stands and what's needed.

How quickly can I get a roof certification?

If your roof qualifies upon inspection, we can issue certification within 24-48 hours. Rush service is available for urgent situations like pending home sales or insurance deadlines. We schedule most free inspections within 1-3 business days of your call. For time-sensitive situations requiring immediate attention, call (561) 856-5060 and we'll prioritize your inspection.

What if my roof needs repairs before it can be certified?

We provide detailed written estimates for any necessary repairs. You'll know exactly what needs fixing, why it's necessary, and what it costs before proceeding. Many issues that prevent certification are relatively minor and affordable - things like replacing damaged tiles, repairing flashing, or sealing small leaks. We work within your timeline and budget to complete repairs efficiently and issue certification once work is complete. Our 2-year workmanship warranty backs all repair work.

Do insurance companies accept your certifications?

Yes - we're a Florida state-licensed roofing contractor (CCC1331721) and our certifications meet all insurance company requirements. We've worked with every major insurance carrier in Florida including Citizens, Universal, Heritage, Federated National, and private carriers. Our certification format includes all documentation they require: contractor information, license verification, roof condition assessment, expected remaining lifespan, compliance statements, and professional liability backing.

Can I get a roof certification for a home I'm buying?

Absolutely! Pre-purchase roof inspections and certifications are very common. If you're buying a home and your insurance company requires certification, we can inspect the property (with seller permission) and provide the documentation your insurance carrier needs. Many buyers make their offers contingent on passing roof certification. Our inspection also gives you peace of mind about roof condition before closing, potentially saving you from buying a home needing major roof work. Contact us at (561) 856-5060 to coordinate pre-purchase inspection.

Get Your Free Roof Inspection Today

Don't let insurance requirements or home sale complications stress you out. Get professional inspection and certification services from Palm Beach County's most trusted roofing contractor.

Call (561) 856-5060 Schedule Free Inspection

Serving all Palm Beach County • Free Inspections • Same-Day Scheduling • 55+ Years Experience • Florida Licensed CCC1331721