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| Homeowner's
Insurance Inspections Roofs A roof with any of the following conditions would be unacceptable and would require a major hazard to be marked on the inspection: 3 or more missing shingles/shakes/tiles, very extensive or substandard patching, severe hail damage, extensive lifting/buckling/deteriorating, extensive waviness or appearing uneven/sagging, shingles with significant granular loss, several broken tiles, wood shakes that are splitting, dry, curling up or cupping in multiple areas, any roof with more than 3 layers, and any asphalt shingle roof (also known as composition shingle) that has been installed over a previous wood roof. ![]() Missing Shingles and Dry Rot Evident Even if the roof has a small area that is severely deteriorated, a major must be marked for the roof as this poses a definite possibility of a claim due to water damage or other exposures. ![]() Curled Shingles Water stains on the roof (such as under evaporative coolers or AC units) should not be marked as a condition concern (not even a minor) unless there is deterioration of the roof due to prolonged exposure to water draining from the cooler or AC unit. ![]() Composition Shingles Deteriorated Beyond Useful Life Even though there is an option in the roof category regarding a snow-covered roof, DO NOT mark a snow-covered roof as a hazard (not even a minor). Minors for this category include, but are not limited to, early signs of damage/lifting/curling, small amounts of patching or less than 3 shingles/shakes/tiles missing. |