Planning Tool
Roof Insurance-Readiness Scorecard
See how ready your roof file is for an insurance renewal. Answer nine questions about your roof's age and documentation, and the scorecard grades how well your file answers the questions carriers actually ask — then shows the top gaps to close first. It is about documentation readiness, not a premium or coverage promise.
Roof age is scored automatically from the system and install year above — at this age and material it is past the point where carriers grow cautious, so it is flagged.
2.Is there a documented semi-annual maintenance program on the roof?
3.Is there a dated pre-storm photo baseline from this year?
4.Is there a roof condition report newer than 12 months?
5.Is there a wind-mitigation inspection newer than 5 years?
6.Are roof-to-wall attachment and secondary water resistance documented?
7.Is the manufacturer warranty active and maintenance-compliant (including any NDL warranty)?
8.Are there no open or unrepaired deficiencies from the last inspection?
9.Is a named-storm response plan in place (who inspects, when, and how it is documented)?
Documentation readiness
0 / 100
0 of 9 items documented
At risk. The roof would present to a carrier as largely undocumented.
Answer all 8 questions for a complete score. Anything left blank, or marked “not sure,” counts the same as a carrier not finding the document.
Top gaps to close first
Is the roof age within a carrier's comfort range for its material?
Why carriers ask: Age is the first fact an underwriter checks; an asphalt roof past about 15 years, or a tile or metal roof past about 30, moves a building toward non-renewal.
Is there a documented semi-annual maintenance program on the roof?
Why carriers ask: A maintenance record separates ordinary wear from neglect and keeps most manufacturer warranties valid, which carriers weigh when deciding to keep writing the policy.
Is there a dated pre-storm photo baseline from this year?
Why carriers ask: Dated before-photos are what let an adjuster tell true storm damage from pre-existing wear, which decides whether a claim is paid.
This scorecard measures documentation readiness — how well your roof file answers the questions carriers ask. It is not insurance advice, does not predict a premium or coverage outcome, and is not a substitute for your agent, a licensed inspector, or a Structural Integrity Reserve Study (SIRS).
Get the full readiness report
Send us these numbers and we'll follow up with a written proposal and a walk-through of your roofs.
How this scorecard works
When a carrier evaluates a building, the roof is one of the first things it looks at — and what it is really evaluating is a file. Underwriters want to know the roof's age and material, whether it has been maintained, whether there is dated evidence of its condition, and whether wind-mitigation features are documented. A building whose file answers those questions is one an underwriter can assess; a building with an old roof and no records is the kind of unknown carriers increasingly decline.
This scorecard turns that into nine weighted questions and a letter grade, then surfaces the three highest-impact gaps so your board knows what to fix first. The framing is deliberate: it measures readiness — whether the documents exist — not whether a claim will be paid or a premium will fall, which no one can honestly promise. For the fuller picture of what belongs in a roof file, read What Your Roof File Says to Your Insurance Carrier.
Questions about the scorecard
- What exactly does this scorecard measure?
- It measures documentation readiness — how well your roof file answers the questions an underwriter asks when deciding whether and how to insure your building. It does not measure your roof's physical condition beyond age, and it does not predict a premium or a coverage decision. A high grade means the paperwork carriers expect already exists; a low grade means several of those documents are missing or out of date.
- How is the grade calculated?
- Nine items are weighted by how much carriers rely on them, adding to 100 points. Roof age, a documented maintenance program, and a dated pre-storm photo baseline carry the most weight; a current condition report, a wind-mitigation inspection, roof-to-wall and secondary-water documentation, an active maintenance-compliant warranty, and a clean deficiency log each carry moderate weight; a named-storm response plan carries the least. Each item you can document earns its full weight. The total maps to a letter grade: A is 90 or above, B is 75, C is 60, D is 45, and below that is F.
- Why does 'not sure' count against the score?
- Because from a carrier's point of view, a document you cannot produce does not exist. If your board is not sure whether it has a current wind-mitigation form, an underwriter reviewing the file will treat it as absent — so the scorecard scores 'not sure' the same as 'no.' The gaps this surfaces are exactly the ones worth resolving before a renewal, whether that means locating a document or creating it.
- Will a good score lower our insurance premium?
- No, and we do not claim it will. Insurance pricing depends on many factors outside any roof file, and no roofer can promise a premium or a renewal. What good documentation does is remove the uncertainty that pushes carriers toward declining or non-renewing a building they cannot evaluate. This tool is about being ready with answers to the questions carriers ask — not about a guaranteed outcome. It is not insurance advice; your agent is the right source for coverage questions.