Lenders Seem to Be Putting More Attention on Roofs
February 28, 2013
The roof over our heads may be something we take for granted until we have a heavy rain that creates a spot on our ceiling. After many years of not ever having a roofing certification required by a lender, I have had three in 2013. Two were triggered by a remark in a structural Pest Control Inspection Report that contained the word "roof". The third was triggered by the Agent Visual Inspection that noted a "spot on the ceiling".
All of this attention to roofs by appraisers and termite companies has made me look more closely at the roofs of the properties I am listing or selling. I would suggest that homeowners would be well advised to take a look at their roofs.
If the roof is constructed of composition shingles, look at the ridge lines. Are the shingles beginning to curl? If they are, call a roofer and have your roof checked. It is better to have the roof repairs completed prior to putting a house on the market as roof certifications are not easy to obtain as many roofers do not want the liability of guaranteeing a roof for two years - the usual lender required certification.
If the roof is of concrete tile, have a roofer check it out for cracked tiles. Cracked tiles can allow water to seep into the under-layment and over time destroys the integrity of the under-layment that protects from leaks.
If your roof is over fifteen years old, and it has never been a problem, that is a very good thing. However, in these days of lender and appraiser cautiousness, having the roof checked by a licensed roofer is a wise part of home maintenance.
The roof over our heads may be something we take for granted until we have a heavy rain that creates a spot on our ceiling. After many years of not ever having a roofing certification required by a lender, I have had three in 2013. Two were triggered by a remark in a structural Pest Control Inspection Report that contained the word "roof". The third was triggered by the Agent Visual Inspection that noted a "spot on the ceiling".
All of this attention to roofs by appraisers and termite companies has made me look more closely at the roofs of the properties I am listing or selling. I would suggest that homeowners would be well advised to take a look at their roofs.
If the roof is constructed of composition shingles, look at the ridge lines. Are the shingles beginning to curl? If they are, call a roofer and have your roof checked. It is better to have the roof repairs completed prior to putting a house on the market as roof certifications are not easy to obtain as many roofers do not want the liability of guaranteeing a roof for two years - the usual lender required certification.
If the roof is of concrete tile, have a roofer check it out for cracked tiles. Cracked tiles can allow water to seep into the under-layment and over time destroys the integrity of the under-layment that protects from leaks.
If your roof is over fifteen years old, and it has never been a problem, that is a very good thing. However, in these days of lender and appraiser cautiousness, having the roof checked by a licensed roofer is a wise part of home maintenance.
posted by shirley harry at 8:17 AM
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