If you’ve filed an insurance claim or are renewing your homeowner’s insurance, there’s a good chance your insurance company will require a roof inspection. But what exactly are they looking for? And more importantly—how do you pass?

At Teamwork Exteriors, we’re the go-to pros trusted for insurance inspections in Bismarck. We’ve helped hundreds of homeowners and businesses get their insurance coverage approved after storm-related damage, water leaks, or aging roofs. Here’s what you need to know to stay protected and get ahead of the inspection process.

What Is an Insurance Roof Inspection?

An insurance roof inspection is when a roof inspector checks your roof to see if it’s in good condition—or if there’s roof damage from storms, hail, wind, or wear and tear.

The goal? To help your insurance agent decide whether your roof qualifies for coverage options under your insurance policy, and what type of roof repair or replacement (if any) will be paid for.

What Do Insurance Companies Check in Roof Inspections?

Wondering what insurance companies check in roof inspections? Here's a simplified list:

1. Shingle Condition

Inspectors check if you have missing shingles, curling, cracking, or any signs of damage like fiberglass matting showing.

2. Roof Covering Material

They look at what kind of roofing materials you have—asphalt shingles, synthetic cedar shakes, tile roofs, or even slate roofs. Older shingle roofs may not pass inspection if the roof slope causes drainage issues or increases weather damage risk.

3. Water Intrusion Signs

Things like roof leaks, water stains, or rot are major red flags. Your roof inspector will look at the attic, ceilings, and signs of moss growth, water damage, or interior leaks.

4. Roof Flashing & Gutters

Flashing, chimney caps, vent pipe covers, and flashing gutters all play a role in keeping water out. Missing or damaged parts here can lead to storm-related damage and denied claims.

5. Other Roof Conditions

Inspectors will check roofing cement, metal flashing, debris like tree limbs, blocked water drainage, and even fire safety items like smoke alarms and fire extinguishers.

What Happens After the Roof Inspection?

After the inspection, you’ll get an inspection report with inspection data, findings, and next steps. Your insurance adjuster will review it and determine whether your insurance company will offer a Replacement Cost Value (RCV) or Actual Cash Value (ACV) for your roof.

In some cases, they may send the results to the Financial Review Board or even start an arbitration process if the claim is disputed. You might need to provide a final invoice or roof certification from a professional contractor to move forward.

How to Pass an Insurance Roof Inspection in Bismarck

Want to know how to pass an insurance roof inspection in Bismarck? Here are simple steps:

• Schedule a pre-check with Teamwork Exteriors—your top insurance-approved roof inspectors in Bismarck

• Remove debris like tree limbs or leaves

• Repair loose or missing shingles

• Check for water stains or damaged flashing

• Clean your gutters and check for proper drainage

• Keep records of previous work and warranty info

We also use drone imagery, detailed photos, and tech tools to give your inspector what they need. And if your inspection results don’t go well, we can help appeal through the Division of Insurance or your state’s department of insurance.

Why Teamwork Exteriors is Trusted for Insurance Inspections

Our roofing experts have seen it all—hail damage, wind storms, rot, poor installations, and more. We work directly with your insurance professionals to provide honest roof assessments, proper documentation, and quick repairs.

We’re Bismarck’s GAF Master Elite certified roofing contractor, which means you get high standards, fair pricing, and a reliable roofing partner.

So whether you need a home insurance inspection, roof replacement, or help understanding your coverage options, Teamwork Exteriors is trusted for insurance inspections that help you stay protected.

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!