What Is a Roof Certificate and Why Realtors Ask for Them
If you’re buying or selling a home in Colorado, you may hear the term “roof certification” pop up during the process. But what exactly is a roof certificate, and why do realtors and lenders often require one?
Here’s everything homeowners and buyers need to know.
What Is a Roof Certificate?
A roof certificate (or roof certification) is a written statement from a licensed roofing contractor confirming the condition of a roof and estimating how many years of useful life it has left.
It typically includes:
Roof type and age
Overall condition
Expected lifespan (usually 2–5 years minimum)
Repairs needed (if any)
If the roof doesn’t meet the minimum lifespan required, repairs may be required before certification can be issued.
Who Needs a Roof Certificate?
Realtors, homebuyers, lenders, and insurance companies may request a roof certificate:
Homebuyers want peace of mind that the roof won’t need replacement immediately
Lenders want to protect their investment and may require a certificate as part of loan approval
Insurance companies sometimes request documentation to bind coverage or verify roof condition
When Is a Roof Certificate Required?
While not legally required, roof certificates are often requested in real estate transactions when:
The roof’s age is unknown or approaching end-of-life
There are visible signs of wear or previous repairs
The buyer’s loan type (like FHA or VA) requires it
How Long Does a Roof Certificate Last?
Roof certifications typically last for 2 to 5 years, depending on the issuing contractor and roof condition. If the roof fails within that period due to wear (not storm damage), the contractor may be responsible for specified repairs.
What If the Roof Doesn’t Pass?
If an inspection reveals damage or poor condition, the roofing company will often outline required repairs needed to qualify for certification. Once completed, the certificate can be issued.
At Ideal Roofing and Solar, we offer fast, honest roof inspections and certifications for Denver homeowners, realtors, and property managers. Whether you're selling, buying, or just want peace of mind, we’ll help you understand your roof’s condition — and stand behind our assessment.
Need a roof certification for a pending real estate deal? Call us to schedule an inspection today.