Insurer questioning your roof? Document its condition.
Florida carriers increasingly judge a roof by its age and can move to non-renew over it. A 5-Year Roof Certification documents what shape your roof is actually in — and its remaining useful life — the kind of evidence that may support keeping a sound roof insured under Florida's Roof Age Law. Repair-first since 1974.
Accredited · Certified · Recognized · Family-Owned Since 1974
Roof age isn't the whole story — but you have to document condition.
Under Florida's Roof Age Law (§627.7011), an insurer generally can't condemn a roof on age alone if an inspection shows it has at least five years of useful life left. A 5-Year Roof Certification is how that condition gets documented — an inspection-based report you can provide to a carrier or underwriter.
To be clear: a certification doesn't bind any insurer or guarantee an outcome — coverage decisions are theirs to make. What it does is put your roof's real, documented condition and remaining useful life on the record, which may help support a review where a carrier is weighing age. We'll also tell you honestly if your roof needs repairs first to qualify.
The insurance situations a certification is built for.
Most homeowners come to us in one of these moments — usually on a deadline.
"My carrier cited my roof's age"
A non-renewal notice that points to roof age or condition. A documented inspection showing your roof is sound, with remaining useful life, gives you evidence to put on the record — and time to act before the deadline.
"A new insurer won't bind without it"
Switching carriers, and the new one wants roof documentation before binding. We inspect, document condition and remaining useful life, and certify — or show you exactly what to repair first so the roof can qualify.
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A real condition report — not a sticker.
A 5-Year Roof Certification is built on a thorough inspection and records what an underwriter actually wants to see.
- Overall roof condition, documented with photographs
- Estimated remaining useful life (the five-year basis)
- Surface, underlayment, flashing & drainage assessment
- Attic thermal-imaging moisture findings
- Any repairs recommended to bring the roof to standard
- Signed under our Florida contractor license, CCC1331721
Where a certification can support an insurance review.
Documentation that may help — while the coverage decision always stays with your carrier.
At renewal
If a carrier is weighing your roof's age at renewal, a documented condition report and remaining-useful-life finding gives you evidence to submit for review.
Binding a new policy
Some insurers ask for roof documentation before they'll bind. A certification provides a clear, signed report of current condition.
After repairs
Completed storm or section repairs? Certifying afterward documents that the roof has been restored to a sound condition.
Alongside a 4-point
Many older Florida homes need a 4-point or wind-mitigation inspection too; a roof certification complements them with depth on the roof specifically.
Your rights under the law
Florida's Roof Age Law gives you the right to an inspection and the repair-and-certify option rather than an age-based condemnation. Read the law →
If it doesn't qualify yet
We won't certify a roof that isn't sound. If repairs are needed first, we document exactly what — honestly, with no pressure.
A real, signed condition report — page by page.
This is the kind of documentation a 5-Year Certification produces: each area photographed and assessed, with a remaining-useful-life finding an underwriter can read.
From a free inspection to a document you can submit.
Free, documented inspection
A complete roof inspection with attic thermal imaging — condition, underlayment, flashing, drainage, and remaining useful life — at no cost and with no obligation.
Honest qualification call
If the roof is sound, we tell you it qualifies. If it needs repairs first, we show you exactly what — with a written estimate, never a push to replace.
Repairs, if any are needed
Targeted repairs to bring the roof to a sound condition — the repair-first approach that usually costs a fraction of a replacement.
Certification issued
A signed, page-by-page 5-Year Roof Certification documenting condition and remaining useful life, formatted for you to provide to your insurer or underwriter.
The inspection is free. The certification is quoted up front.
No cost to find out where your roof stands with your insurer's questions.
Free · No obligation
A full inspection with thermal imaging and a written summary of condition, remaining useful life, and any repairs needed.
Quoted before any work
If your roof qualifies, the signed 5-Year Certification is priced up front. If repairs are needed first, those are quoted separately and honestly.
This page is general information about roof certifications and Florida's Roof Age Law, not legal or insurance advice. A certification documents a roof's condition and estimated remaining useful life; it does not bind any insurer, guarantee renewal, or guarantee any coverage outcome — those decisions rest solely with your carrier. Requirements vary by insurer and policy. Please consult your insurance carrier or agent, and where appropriate a licensed professional, about your specific situation. Source: Florida Statute §627.7011 · Florida CFO: property insurance changes.
The Florida roof-age authority — documentation over sales pressure.
We document, we don't condemn
Our entire approach is the opposite of an age-based tear-off: inspect first, document condition and remaining useful life, and certify a sound roof so you can keep it.
Thermal imaging, signed reports
Attic thermal imaging and a signed, page-by-page report under license CCC1331721 — the kind of documentation that holds up when an underwriter reads it.
No sales pressure, ever
If your roof is sound, we say so and certify it. If it needs work first, we show you exactly what — never a replacement you don't need.
See it for yourself
Browse the Resource Center, a real redacted 5-Year Certification, and the Island Drive case study.
Your questions, answered honestly.
Will a roof certification keep my insurance from non-renewing?
Do insurance companies accept your certifications?
What if my roof needs repairs before it can be certified?
How fast can I get a certification for an insurance deadline?
Is this the same as a 4-point or wind-mitigation inspection?
Insurer asking about your roof? Let's get it documented.
A free, thermal-imaged inspection and an honest report on your roof condition and remaining useful life — and a 5-Year Certification if it qualifies. Family-owned in Palm Beach County since 1974.