Lenders and insurers often require a roofing certification to ensure that the roof is in good condition and not in need of immediate repair or replacement. This helps protect their investment and reduces the risk of future claims or issues.

A roofing certification involves a thorough inspection of the roof by a licensed roofing contractor. The inspector will assess the condition of the roof, including its age, materials, condition of shingles or tiles, flashing, and any signs of leaks or damage.

The validity period of a roofing certification can vary depending on the requirements of the lender or insurer. Typically, certifications are valid for one to five years, but this may vary based on factors such as the age and condition of the roof.

If the roof does not meet the requirements for certification, the homeowner may be required to make repairs or replace the roof before the certification can be issued. In some cases, lenders or insurers may offer conditional approval contingent on repairs being completed.

Not necessarily. Some lenders and insurers may have specific requirements for roofing certifications, including qualifications for the inspector or certain inspection criteria. It's important to work with a licensed and reputable roofing contractor familiar with certification requirements.