The Roof Report Card is SDAT’s proprietary inspection document. It is not a sales pitch, not an estimate, and not a recommendation to buy anything. It is a factual record of your roof’s condition at the time of inspection — the same kind of documentation an insurance adjuster produces, created by inspectors with the same Haag Certification training.
Every homeowner who receives a free SDAT inspection gets a Roof Report Card, whether damage is found or not. If damage exists, the report gives you the documentation you need to file a strong insurance claim. If no damage exists, the report gives you a dated baseline of your roof’s condition — valuable for your personal records, future insurance claims, or home sale documentation.
What’s in the Report
Property overview: Address, roofing material type, estimated material age, roof configuration (hip, gable, flat sections), and total roof area.
Inspection methodology: Date and time of inspection, weather conditions, inspector credentials, and areas of the roof accessed.
Findings by zone: The roof is divided into slopes (north, south, east, west, and any intermediate slopes). Each slope is documented separately with photographs showing the overall condition and close-ups of specific findings. Findings are categorized as storm-related damage (hail impact, wind lifting, debris impact), pre-existing conditions (normal granule loss from aging, curling from heat cycling, prior repair patches), or maintenance items (clogged gutters, vegetation growth, sealant deterioration).
Accessory documentation: Gutter condition, siding condition, vent and flashing condition, and any ground-level impact evidence.
Summary and assessment: A plain-language summary of the overall findings, a determination of whether storm damage is present, and if applicable, a recommendation on whether filing an insurance claim is warranted based on the damage scope and likely deductible.
How to Read the Damage Categories
Understanding the difference between categories is important because insurance covers storm damage but does not cover maintenance or normal aging.
Storm damage indicators: Random pattern across the roof (not concentrated at edges or valleys), fresh-looking marks rather than weathered, consistent with known storm event dates, similar damage visible on ground-level surfaces (gutters, siding, outdoor equipment).
Normal wear indicators: Uniform across the entire roof, concentrated at edges and high-exposure areas, gradual granule loss without impact bruising, curling or cupping from thermal cycling.
Maintenance items: Clogged or overflowing gutters, vegetation touching or overhanging the roof, failed sealant around penetrations, prior repair work needing attention.
Your Roof Report Card labels each finding clearly so you — and your insurance adjuster — can see exactly what is storm-related and what is not.