Risk Management Articles

Roofs 101: A Guide to Inspections and Maintenance

Written by Utica National Risk Management Team | Oct 7, 2025 6:13:10 PM

Roofs are the first line of protection for your business against all types of weather. Factors such as wind, rain, and hail can often cause problems and, if not addressed or anticipated, can disrupt and impact your daily business operations or lead to financial burdens. To help prevent potential hardships, inspect your roof for areas that may need attention and develop a plan to protect it before something happens.

Here are some risks associated with poor roof maintenance and how to prevent them:

  • Water Damage – One of the most common issues associated with roof maintenance is water damage/leaks. Water can often pool or migrate on roofs before leaking inside a building. The longer the water remains on the roof, the more damage it can cause. When water makes its way into a building, it can also cause staining to the interior of the building. Check your roof to make sure that water is adequately draining to the ground – which means checking for leaves, debris, and any additional objects that could clog the gutter.
  • Higher Repair Costs – Roofing expenses can stack up fast, especially as the cost of building materials continues to rise. Neglect can lead to deterioration, water and structural damage, and eventually high repair costs that could have been prevented by quickly reacting to and assessing damaged areas of roofing or roof drainage systems.
  • Shortened Roof Lifespan – After putting time and money into a new roof, the last thing a business owner wants is to have to make repairs. Modern roofing materials are created to last for decades – with proper maintenance. Schedule routine yearly roof check-ins with a construction contractor to ensure that your new roof stays intact.


A damaged or deteriorating roof can lead to a lot of unwarranted hardships. Being proactive with roof maintenance could make all the difference in saving you and your business time and money. Hiring a certified roofing contractor to perform annual inspections and handling minor repairs as needed could help extend the life of your roof. In addition to these roof maintenance tips, organize documentation of roof inspections, work order history, and the original installation paperwork to sustain your roof health and maintain the efficiency of your business.

Source(s) used:

  • Haag Certified Commercial Roof Inspector – Jake Ruziecki
  • S. General Services Administration. Checklist for the Routine Inspection of Buildings. Last Accessed October 6, 2025.
  • S. Department of Energy. Repairing and Sealing Roofs and Ceilings. Office of Energy Efficiency and Renewable Energy. Last Accessed October 6, 2025