How an Appraiser Evaluates Your Roof

Did you know that when an appraiser looks at your home, your roof plays a big role on the value he or she places on your home?

An appraiser is a licensed expert that evaluates your property and gives you an estimate on how much it’s worth. Appraisers are professionals who are licensed by the state. They must have a Bachelor’s degree in Real Estate and have three years experience in appraising before they can even take the test to become a licensed appraiser. Because it takes so much time and dedication to become an appraiser, buyers and mortgage lenders alike put a great deal of stock in what an appraisal says about your home and its value.

One of the first things an appraiser looks at is your roof. Before they even get out of their car they can tell you what kind of roof your have, the material it’s made of, and its approximate age.

All roofs are made of two parts: the underlying layer or sheathing deck and the roofing deck or the protective layer that covers the sheathing deck. Appraisers inspect each part for structural integrity and to determine how many more years your roof is expected to last. Appraising the condition of a roof is helpful for homeowners who want to stay on top of home repairs, and it’s usually required by a lender in order for a home to sell.

5 things appraisers look at when evaluating your roof:

1. Roof line or slope. You’re in good shape if the roof ridge is level. If it’s uneven, the appraiser will further inspect the uneven areas from the attic. A sagging roof line may indicate a structural problem.

A sagging roof line can be an indication of structural damage.

A sagging roof line can be an indication of structural damage.

2. Shingle condition. Missing or damaged shingles can affect the lifespan of a roof. A failing roof will exhibit torn shingles, curled shingles, and/or gaps underneath shingles. (For more in-depth information on shingle condition, see signs of shingle damage.)

3. Roof flashings. These are the rubber sealants around the plumbing pipes that come out of the roof.

4. Ventilation. Whirly birds and turbine vents will show evidence of hail damage. They should also be turning or functioning in order to properly circulate the air in a home.

Water stains on the under side of a roof can be seen from inside the attic and indicate a roof leak.

Water stains on the under side of a roof can be seen from inside the attic and indicate a roof leak.

5. Rafters and Sheath decking. The underside of the roof decking, rafters, and ridge beams are inspected from inside the attic. If the underside of the decking shows water stains, there is a leak in the roof. Rafters and beams should be even and secure. Uneven or loose ridge beams indicate structural problems. Contractors may be able to install a support to stop the movement, but don’t attempt to fix it yourself.

2014-10-16T20:22:55+00:00