I recently completed a 4-Point Inspection on a house with a Newer replacement of its shingles. The roof is only two years old, but there are 12 Ridge cap Shingles in 4-5 different areas that have blisters. There are about a dozen nickel to dime size blisters on each shingle. They have a flat roof that was also recently replaced, There was a section of the flat roof (about 1.5ft x 4inch) that was missing all of the granules, like maybe a tree branch took them off. I Reported the roof as Unsatisfactory, was that the right decision?
My research showed that it was correct but maybe I am wrong. Could I get some Answers, Please?
I’m not sure I’d check “Unsatisfactory” with those defects (on the insurance report), as they’ll (insurance company or underwriter) require repairs anyway.
Thank you @ddagostino for your response. If there is Blistering and granule loss, wouldn’t those be IN NEED OF REPAIR? Which would make the roof unsatisfactory right?
I’m Not sure if I should tell the home owner nicely that this is how it is or if I should go back and mark it as satisfactory. I’m confused.
Those terms aren’t defined on a 4-point report, you’ll have to make the call yourself.
If it were me, I’d describe the defects, include the photos, and select “Satisfactory”, which does not mean they get a “Pass” on fixing the defects. After you’ve done several thousand 4-point’s you’ll see what a “unsatisfactory” roof looks like.
It’ll likely not matter too much, but welcome to the world of ambiguous insurance forms…
@ddagostino Yeah, that makes sense, I need more time and practice seeing defects in the field for sure. I was reading some documentation that @kshepard posted years ago about blistering, and things of that nature from Master Roofing Inspections, it was also helpful.
I suppose if the blisters are small and not allowing water to penetrate immediately, they could be looked at as a cosmetic defect, considering the rest of the roof was good, including the framing, no sense in deeming the entire roof as unsatisfactory. Thank you for the helpful insight.
Likely caused by roofing tar that was applied underneath these shingles. I have seen numerous times.
As Dom said, the 4 point is very ambiguous. And for that reason, this would not even make my 4 point report. Why? Because this will never lead to an insurance claim, and that is what the 4 point is all about.
However, it would make my full inspection report, as an informational item.
Exactly what I was going to say. Even if you put satisfactory any defect listed will still need to be corrected prior to obtaining insurance. Yes, it would go on a full inspection report but would not make it to a 4-point. I would let my client know either way.
