Roof Condition- Determining Roof Class

Roof Condition

Determining roof class

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Roof Condition- Determining roof class KB0107666

Roof Class

The roof "class" refers to the overall condition of the roof on a particular home. There are four roof classes that are used to determine if a property is eligible for a policy, or for certain endorsements.

Use the links provided in the class syllabus to answer the questions on the following slides.

Introduction

Roof rated as Class D has clearly identified damage or condition issues and/or excessive wear, including moderate missing, cracked, crumbling, or curling shingles. Patching or material conditions that affect the roof's integrity may also be present.

Class D

Class C

Class B

Class A

Roof Classes

Roofs rated as Class A should be a new roof (less than one year old), verified with either a receipt provided by the homeowner or photographs of visible signs of recent installation.

Roofs rated as Class B are a roof that is more than one year old with no noticeable wear and no identified damage or condition issues.

Roof rated as Class C shows wear regardless of age, including minimal lifting, curling, or granule loss of shingles, but shows no patching or material conditions that affect the roof’s integrity.

Example 1

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Example 9

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Make sure to write down any questions you have for follow up discussion.