Assure Your Lender that Your Roof is Not a Concern

If your lender has requested a roof certification, keep in mind that he is looking for documentation to help manage risk. A cursory inspection and a few assurances on letterhead - even from a roofing professional - will probably not be sufficient.

Cert-A-Roof's LeakFREE^® Roof Certification is a detailed and binding two-year service agreement including Cert-A-Roof's commitment to provide up to $2,000 worth of repair services to stop leaks in the unlikely event that ny leaks occur. Before we issue a cert, the roof must pass our patent-pending inspection process. If the roof failes, we provide a detailed written inspection report that includes digital photographs. We go over any required repairs, and those repairs must be performed before the certificate is issued. As a result, your lender knows that the likelihood of leaks is virtually eliminated.

Lenders are increasingly requesting roof certifications based on circumstances. For example, the FHA and VA now require them on flat roofs. Each lender has its own policy, but more and more roof certifications are being requested in conjunction with high loan-to-value mortgages, second mortgages and reverse mortgages.

If your lender has requested a roof certification, it may be because your roof's condition was flagged by the appraiser (which will not necessarily show up on your copy of the appraiser's report).