One costs you money and the other is usually free. A roof inspection is typically done at the request of an insurance company as a requirement for issuing homeowner’s insurance for an older home. Payment of a fee—around $100 to $150—is necessary. A written report is issued, which outlines the age of the roof, estimated future life (if any), and provides an opinion as to whether repair or replacement of the roof is necessary. The standard form in our area is Citizen’s Insurance Roof Certification Form (CIT-RF-1 09 12), and requires that two photos of the roof be submitted along with the report. The inspection must be done by a licensed construction professional, such as a roofing contractor, building contractor, or home inspector.

   On the other hand, a roofing estimate is a response to a homeowner’s request for a price to replace or repair a roof which is already known to be in bad shape. Homeowners usually get several written estimates from roofing contractors. It is part of a sales call and normally free. The estimate outlines the work to be done and provides a price and payment terms.

    Also, see our blog post Why does my homeowner's insurance want a roof inspection?

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  To learn more about roofs and attics, see these other blog posts:

• Why is my roof sheathing sagging between the trusses?

• Why is granule loss a problem for an asphalt shingle roof? 

• What are the mistakes to avoid when doing attic improvements?

• What causes roof shingles to curl up at corners?  

• What causes shingles to buckle along a line on the roof?

• What causes leaks at a fake roof dormer? 

• What causes a sagging roof ridge line?

• What causes bubble-like blisters in a built-up and gravel roof?  

• Why does it cost so much more to replace a steep roof than a low slope roof? 

• What is "ponding" on a flat roof?

• Is an attic required to have a light by the building code? 

• How can I inspect my roof for hurricane damage?

• Why is premature curl of roof shingles a problem?

• How can I tell if a roof has more than one layer of shingles? 

• What are the common problems with attic insulation? 

• What is the life expectancy of an asbestos cement shingle roof? 

• What's the average lifespan of a roof?

• Why is it a mistake to replace a roof and not replace its flashings? 

• Why is there no attic access hatch in the house?

• What is the building code requirement for an attic access hatch, scuttle, or door? 

• Does a roof with multiple layers of shingles last longer?

• What can I do to prevent roof leaks?

• Are roof trusses better than roof rafters (stick framing)? 

• Why is a popped nail in a shingle roof a problem? How do I fix it?

• What are the most common problems with wood roof trusses?

• What causes a lump or dip in the roof? 

• If my roof is not leaking, why does it need to be replaced?

• How can I be sure my roofing contractor got a permit?

• How many layers of roofing are allowed on a home? 

• What are the dark lines running parallel to shingles on my roof?

• Can metal roofing be used on a low slope/pitch roof? 

• How can I make my roof last longer?  

• What are the warning signs of a dangerous attic pull-down ladder?

• How can I find out the age of a roof? 

• Should I buy a house that needs a new roof?

• Should I buy a house with an old roof? 

• What are those metal boxes on the roof?

• What does "lack of tab adhesion" in an asphalt shingle roof mean?

• Why do roof edges start leaking?

• Why do my dormer windows leak? 

• Do home inspectors go on the roof? Do they get in the attic?

• Should I put gutters on the house? 

• How much of a roof truss can I cut out to make a storage platform in the attic? 

• What's the difference between an "architectural" and a regular shingle roof? 

• What does a home inspector look for when examining a roof? 

• Do stains on the ceiling mean the roof is leaking?

• How can I tell if the house needs a new roof?  

• What are the hazards to avoid when going into an attic? 

     Visit our ROOF AND ATTIC page for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.