Roof Assurance®
Predict and prevent roof loss, with an NRCIA-accredited inspector keeping every roof inspected, corrected and on record.
Many costly property losses start at the roof, and many start small.
Roof Assurance® puts an NRCIA-accredited inspector beside the property owner to find that risk early, correct it before damage occurs and keep it in view year after year. The same standard carriers already rely on after a loss, applied before one.
Water finds every weakness.
Think Like a Raindrop™
One roof, two connected cycles
Prevention runs every year. When an event breaks in, a defined response restores the roof and returns it to prevention.
A certified roof, kept current
A LeakFREE® certification tells a property owner, and the people who insure the property, that the roof meets one national standard and will stay in view through the term.
Inspect. Five zones, the rooftop walked, every finding photographed.
Correct. Deficiencies are corrected before the roof is certified.
Certify. A term of up to ten years, set by condition, slope and materials.
Maintain. Required annual maintenance inspections through the term.
If a covered leak occurs, the issuing inspector’s company stops it with a repair that lasts the remaining term, subject to the certificate’s terms and limits. Storm, third-party and other sudden damage are excluded, so they stay with the property owner’s insurance.
When something happens
The owner reports the concern to the issuing inspector, who determines the proximate cause of loss and applies the certificate’s terms. The carrier determines coverage.
Covered leak. The issuing inspector’s company stops the leak with a repair that lasts through the remaining LeakFREE® term, subject to the certificate’s limits.
Outside the certification. Storm trauma, third-party damage and other exclusions are explained, quoted and authorized separately.
Further investigation. More evidence, testing or Forensic Roof® methods when a broader investigation is needed.
Of NRCIA’s 2025 diagnostic inspections in Southern California, less than 1% were the inspector’s responsibility and none were caused by storm damage (NRCIA, 2025). The issued certificate sets its own terms, including any diagnostic fee, notice deadlines, maintenance duties, exclusions and service limits.
One record for every roof
InspectionPLUS® keeps reports, photographs, repairs, verification and certification connected for each property, in the same format in every state.
InspectionPLUS®
Property record
- Five-zone inspection reportZone photos and risk findingsComplete
- Corrective workScope and repair detailsComplete
- LeakFREE® certificateTerm and conditionsActive
- Annual maintenance inspectionService history and follow-upScheduled
Built to sit beside what you already fund
Insurers are moving beyond repair-and-replace toward helping customers anticipate and reduce risk. Roof Assurance® covers the part of a roof’s life other measures leave open.
Build or replace
IBHS FORTIFIED™
How a roof is built to resist severe weather.
Once water is inside
Smart sensors
Alerts after water has already entered.
The years in between
LeakFREE®
Keeps the roof already in place inspected, corrected and documented.
FORTIFIED is a program of the Insurance Institute for Business & Home Safety.
For carriers and program partners
Roof Assurance® is built to sit inside your own program, shaped around your priorities.
- 1We send the program overview and a sample LeakFREE® report.
- 2We hold a working session with your team.
- 3Together, we shape a program around your book.