When it comes to protecting your home, your roof plays one of the most important roles—and your insurance company knows it. That’s why they often ask for a roof inspection before approving or renewing your insurance policy. But what exactly do they look for? And how do you make sure your roof passes the test?

At Teamwork Exteriors, we’re not just any roofing contractor. We’re trusted for insurance inspections, and we’ve helped hundreds of Bismarck homeowners just like you navigate the inspection process, file an insurance claim, and keep their homes covered and safe.

What Do Insurance Companies Check in Roof Inspections?

If you’re wondering, “what do insurance companies check in roof inspections?”—you’re not alone. The answer comes down to one big thing: risk. Insurance companies want to make sure your roof won’t cause a major insurance claim down the road.

Here’s a simple list of what a roof inspector looks for:

• Shingle condition – They check if your roof shingles are cracked, curled, missing, or showing signs of moss growth.

• Roof age and materials – Older roofs, especially with outdated roof-covering material like worn-out asphalt composition shingles or broken tile roofs, can be flagged.

• Roof flashing & chimney cap – Proper metal flashing, vent pipe covers, and a sealed chimney cap help stop water intrusion.

• Roof slope and drainage – Poor drainage, especially around flashing gutters, can lead to leaks and water damage.

• Visible roof damage – This includes storm-related damage, hail damage, or tree limbs resting on the roof.

This part of the home insurance inspection is focused on spotting any problems that could result in roof leaks, functional damage, or even home foundation issues caused by long-term neglect.

How to Pass an Insurance Roof Inspection in Bismarck

If you're wondering how to pass an insurance roof inspection Bismarck homeowners trust, we’ve got a few smart tips.

First, don’t wait until your homeowner's insurance forces you to act. Instead, get ahead by calling a professional roofer—preferably one of the top insurance-approved roof inspectors in Bismarck.

Here's what you can do:

1. Schedule a professional roofing inspection before any major storm season.

2. Repair small issues early, like replacing a few loose shingles or resealing old roof flashing.

3. Document everything: Keep all receipts, reports, and your final invoice ready in case your insurance agent or insurance adjuster needs proof.

4. Ask for a roof certification if your roof passes inspection—that can help with coverage options.

Also, don't be surprised if your insurance requires new tools like drone imagery, inspection data, or test squares to verify the condition of your roof.

What If There’s Damage?

If your roof inspection reveals issues like hail damage, storm damage, or other signs of wear, your next step may be filing an insurance claim. That’s when understanding replacement cost vs. actual cash value becomes important. Most policies cover either:

• Replacement Cost Value (RCV) – What it costs to replace your roof with a brand-new one using the same roofing materials.

• Actual Cash Value (ACV) – What your roof is worth today after depreciation.

Depending on your insurance policy, you may need to negotiate with your insurance professionals, provide a complete inspection report, or in rare cases, go through an arbitration process with your state's department of insurance or Division of Insurance.

Why Homeowners in Bismarck Choose Teamwork Exteriors

We’re more than just roofers—we’re experts in roofing inspections, roof repair, and helping you navigate the entire inspection process. We’re the top insurance-approved roof inspectors Bismarck homeowners count on.

When the insurance company wants answers, we deliver. Our team provides detailed roof assessment, explains the inspection components, and works directly with your insurance adjuster to make sure everything runs smoothly.

Need roofing inspections after a storm? Noticed some roof damage or water drainage issues? Whether it's a shingle roof, slate roof, or synthetic cedar shakes, we've got you covered.

Ready to get a reliable, fair roof estimate from a team that Bismarck trusts? Contact Teamwork Exteriors today for expert guidance, trusted roof warranties, and a roofing partner that puts your home first. Call (701)-955-0676 or book your inspection now!