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After you pass your wind mitigation inspection, you’ll receive a report you can send to your insurance company when you request a discount. This report is valid for five years. If you switch providers within that five-year window, your new insurer may ask you to get another inspection if you want a discounted premium.

In most cases, a roof inspection will include a visual inspection of the exterior roofing materials, an interior inspection for signs of leaking or roof damage, and an assessment of the structural stability of your roof and the materials supporting it. Some things your roof inspector will look for include the following:

• Missing or damaged shingles, flashing, or sealant

• Signs of old age

• Signs of leaks, including mold growth and water stains

• Potential issues, like tree branches touching your roof

• Signs of a loss of structural integrity

Generally, hailstones that are one inch in diameter or larger can cause significant damage to a roof. However, smaller hail can also cause damage, particularly when accompanied by strong winds, if it strikes an aging or poorly maintained roof, or if hailstorms are frequent in your area. Hail that is ¼ inch (pea-sized) or smaller poses a minimal risk of immediate, permanent damage, but cumulative impacts can cause deterioration over time. The extent of the damage also depends on the roofing material; hail-resistant tiles like slate or certain types of asphalt shingles can withstand impacts better than other materials. If you are concerned about potential damage after a storm, it is always a good idea to have a professional roofer conduct an inspection.

Structural problems with the foundation or roof, water damage, and significant plumbing or electrical issues are all considered major red flags in a home inspection. Of these, a structural problem related to the foundation is often the most severe. Foundation repairs are typically the most expensive and intrusive to carry out, averaging around $5,000 but sometimes reaching up to $16,000. Because these problems can pose safety risks and be costly to fix, you should ask your inspector detailed questions about any identified issues. You will need to carefully consider how major problems affect what you’re willing to pay for the home, or if you want to proceed with the sale at all.