Insurance Inspections in Western Connecticut

• Shingle fields (adhesion/hand-tab checks, granule coverage, curling/cupping/blistering, fractures/creases)
• Ridges/hips (cap integrity, fasteners, sealing)
• Valleys (open/closed style, buckling, exposed underlayment/metal)
• Eaves/rakes (drip edge, laps, ice-dam protection where applicable)
• Penetrations (pipe boots, vents, attic fans — pliability, sealing, uplift)
• Walls/chimneys/skylights (step/counter flashing, mortar/crowns, skylight kits/seals)
• Gutters/downspouts (secure, pitched, no overflow staining)

• Decking condition (no sag/deflection/soft spots)
• Active leaks (none present) and any old/dry historical staining
• Insulation condition (moisture checks)
• Ventilation (clear soffit intake, ridge exhaust; bath/kitchen/dryer vented outdoors)

• Moisture meter readings at suspect areas (target ≤ 15% at time of inspection)
• Infrared screening for hidden moisture/thermal anomalies (if conditions allow)
• Borescope spot checks (when needed)

• Underlayment type; presence of eave/valley ice & water protection (when verifiable)
• Ventilation approach and airflow balance
• Flashing methods and transitions

• Executive Summary (Underwriting): Clear pass/fail on material risk, plus a 3–5 year serviceability outlook.
• Detailed Condition Report: Roof system overview; component-by-component findings; attic/interior observations; non-material maintenance notes.
• Photo Appendix (Labeled): Context for each elevation/plane; close-ups of flashings, boots, ridge caps, skylights, chimneys; attic views; diagnostics imagery.
• Roof Sketch & Defect Map: Plan view marking slopes, penetrations, and any localized issues — quantified and labeled.
• Moisture/Diagnostics Sheet: Pin/pinless readings and IR/borescope findings.
• Repairs Confirmation (if any): Minor corrective actions completed or recommended with material notes and before/after photos.
• Credentials & Compliance: Proof of licensure (CT HIC), insurance (GL/WC), and relevant certifications.
• Roofer’s Certification Statement: Signed statement that the roof performs as intended and does not require replacement or a repair/replacement scope to restore serviceability.

• No active leaks or ongoing water intrusion; attic sheathing is dry at inspection.
• No material deterioration (no widespread curling/cupping/blistering; no significant mat exposure).
• Adequate adhesion (random hand-tab checks indicate sealed or re-sealable courses; no broad uplift risk).
• Flashings intact at walls, chimneys, valleys, skylights; correct laps and serviceable sealants.
• Decking sound (no soft/sagging/delamination).
• Ventilation is functional with clear intake/exhaust; interior exhausts terminate outdoors.
• Only minor maintenance items (cosmetic algae, gutter cleaning, sealant touch-ups) that do not increase the risk of loss.

Note: If a deficiency is localized and repairable, we document the fix. Insurers generally prefer targeted repairs over unnecessary replacements when risk is clearly addressed.

No company can guarantee insurer decisions. We provide evidence carriers look for so an underwriter can make a fair, informed call.

If problems are localized, we quote corrective repairs. If a full replacement is warranted, we document why and provide options. Your $300 applies as a credit if Brown Roofing does the work.

Yes. We coordinate with agents and underwriting teams and can provide the packet directly to them at your request.

Absolutely. Many homeowners want documentation at 15–20 years or after severe weather, real estate transactions, or refinance requests.