In many cases, yes — but not always. Whether you need a roof survey for insurance or mortgage approval depends on the age, condition and construction of the property.

Problems usually arise when roofs are older, non-standard or show visible defects.

When Mortgage Lenders Request a Roof Survey

Lenders may ask for a roof report if:

the roof appears damaged or near end of life
the property is older or non-standard
there are signs of leaks or structural movement
the valuation survey raises concerns

Without a suitable report, mortgage offers can be delayed or withdrawn.

Insurance-Related Roof Surveys

Insurers often request roof inspections after:

storm or weather damage
water ingress claims
repeated claims on the same property
disputes over roof condition

A professional report provides evidence of condition and helps resolve claims faster.

What the Survey Needs to Include

For insurance or mortgage purposes, a roof survey must be:

independent
detailed and factual
supported by photographic evidence
clear on condition and remaining lifespan

Generic or vague reports are often rejected.

Avoiding Delays

Booking a roof survey early — especially when buying — avoids last-minute problems that can hold up completions.

If your lender or insurer has asked for a roof report, get it done properly the first time.