Commercial, Lender & Insurance
The documentation insurers ask for on older properties: a focused review of the roof, electrical, plumbing and heating and cooling systems, with photos and an estimate of the roof’s remaining life, delivered within 24 hours.
Overview
Many insurance carriers ask for a 4-point inspection before they write or renew a policy on an older home or building. It focuses on the four systems behind most claims: the roof, electrical, plumbing, and heating and cooling.
A roof certification adds a closer look at the roof covering: its approximate age, its condition and its estimated remaining useful life, documented with photos your agent can submit.
See what a Caliber report looks likeScope
Roof, electrical, plumbing, heating and cooling
Best for
Older homes and buildings, new policies and renewals
Deliverable
Photo-documented report, organized by system
Turnaround
Within 24 hours of the site visit
Pairs with
Drone roof inspection, thermal imaging
Scope
Each system is photographed and noted as satisfactory or in need of repair.
Covering type, approximate age, visible damage and signs of active leaks.
Panel type and capacity, wiring type and visible hazards such as double taps or scorching.
Supply and drain piping materials, water heater age and visible leaks.
System type, approximate age and operating condition.
Estimated remaining useful life of the roof covering, with supporting photos.
Dated photos of each system, ready to send to your agent or carrier.
Insurer-ready
Findings are organized by system with photos, so your agent has what the carrier asks for without a second visit.
Photos of each of the four systems
Roof age and remaining life estimate
Deficiencies clearly noted
Delivered within 24 hours
The process
Pick a time, add diagnostics and sign the agreement in one secure checkout.
Your inspector documents the readily accessible systems. You're welcome to walk it with us.
An interactive web report with photos, locations and a repair request builder.
Specialized diagnostics
Add any diagnostic to a commercial or residential inspection, or book it on its own. Findings merge into one report.
High-resolution aerial survey of steep, tall or fragile roofs without foot traffic.
D-02Infrared surface scans for signs of moisture, missing insulation and overheating electrical.
D-03Camera inspection of the main lateral for roots, bellies, breaks and offsets, coordinated with a specialized partner.
D-04Visual evaluation of the accessible shell, equipment, bonding and barrier safety.
D-0548-hour continuous monitoring with an EPA-referenced result and next steps.
D-06Surface and air sampling with lab-verified results.
D-07Due diligence for properties built before 1978.
D-08Lab screening and rapid on-site analysis for wells and municipal supplies.
D-09Lender clearance reports for VA and FHA loans.
D-10Tank, distribution box and leach field evaluated with a licensed septic partner.
Insurance carriers commonly ask for one on older homes and buildings before writing or renewing a policy. Your agent can confirm whether your carrier requires it.
No. It is limited to the roof, electrical, plumbing, and heating and cooling systems. For a purchase, we recommend a full pre-purchase or commercial inspection.
Each carrier sets its own requirements, so check with your agent before you schedule.
Keep exploring
ASTM E2018 baseline with cost-to-cure and reserves.
Learn more ServiceRoof to foundation, with findings ranked for negotiation.
Learn more DiagnosticAerial survey of steep, tall or fragile roofs without foot traffic.
Learn moreTell us about the property, the transaction and your timeline, and we will reply with a scoped proposal.
