Roof age replacement invoice home insurance Ontario

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

When do carriers ask for roof age documentation?

Commonly at new business or renewal when stated roof age crosses the carrier’s threshold, or after weather-related underwriting reviews. Exact ages and triggers vary by market — confirm your MGA grid.

What roof documents are acceptable?

Typically a roofing contractor invoice with installation date, material type, and address — or a professional roof inspection/certification the carrier accepts. Building permits and transferable warranties often help.

Can clients submit homeowner estimates instead of invoices?

Carriers typically want contractor invoices, permits, or professional inspection reports — not self-estimates. Reject with specific notes.

Should roof photos be collected too?

Some carriers request exterior roof photos. Add a photo line when your MGA requires visual confirmation.

How do brokers QC roof invoices?

Verify installation date, contractor name, material type, and address match the property. Reject incomplete uploads with notes.

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