Out of Sight, Out of Mind: The Importance of Roof Inspections
As a property owner of a sorority chapter house, you likely keep a close eye on the building’s interior, exterior, and overall maintenance to ensure it remains safe and well-kept. However, there’s one critical area that might not get the same level of attention — the roof. Since it’s “out of sight,” it often becomes “out of mind.” Unless there’s visible interior leaking or a recent windstorm, roofs rarely make it onto a regular inspection or maintenance plan.
Why This Matters Now
If you’ve been keeping up with MJ Sorority’s newsletters over the past two years, you know the property insurance market is experiencing significant challenges. Insurance companies are grappling with rising property claims due to changing weather patterns, which has led to several adjustments, including:
- Increasing property rates and premiums
- Raising standard deductibles for all causes of loss
- Implementing higher deductibles for specific risks like wind, hail, and water damage
- Adding stricter coverage limitations for roof damage
- In some cases, withdrawing from certain markets entirely, such as homeowners insurance in Florida and California
Fortunately, the insurance company providing sorority property coverage has taken a more balanced approach to these market shifts. However, to maintain comprehensive coverage, proactive risk management — like roof maintenance — is key.
The Value of Annual Roof Inspections
We’ve consulted with roofing contractors, and the message is clear: regular roof inspections are essential. Here’s why:
- Early Problem Detection: Routine inspections catch small issues before they turn into major (and costly) problems, helping to prevent damage to the structure.
- Extended Roof Lifespan: Addressing minor repairs early helps prolong the life of your roof, protecting both the building and your financial investment.
- Budget Planning: Insurance companies are increasingly concerned about property owners not accounting for the lifespan of roofing materials. Proactive inspections help you plan and budget for the inevitable roof replacement, rather than being caught off guard.
Getting Started
Travelers Insurance offers a helpful resource to guide your roof inspection planning: How to Build a Commercial Roof Inspection Plan.
The frequency of roof inspections will depend on various factors, so we recommend consulting with a qualified roofing contractor to determine the best schedule for your chapter house. As insurers continue to scrutinize roof conditions, incorporating regular inspections into your property maintenance program is more important than ever.
By taking these proactive steps, you not only help protect your chapter house but also contribute to maintaining stable and comprehensive insurance coverage for the sorority community.