In some states and jurisdictions—such as parts of Nevada and Texas—a permit is not required for roof replacements. While this may simplify the installation process, it can create complications when it comes to solar loan funding, since banks and lenders typically require a copy of the roof permit and passed inspection as part of their due diligence.
To address this challenge, alternative documentation can be used in lieu of a permit. These alternatives are designed to provide lenders with assurance that the roofing work was completed properly, safely, and in compliance with standards.
Why Permits Are Important in Funding
Lenders request permits and passed inspections to:
Confirm that the work complies with building codes.
Ensure the project is structurally sound and safe.
Protect both the homeowner and lender from future liability.
When a permit is not issued due to local regulations, substitute documentation must serve the same purpose.
Acceptable Alternatives to a Roof Permit
To move forward with funding in jurisdictions where roof permits are not required, two of the following items should be provided:
Completion Certificate
A signed certificate from the contractor confirming that the reroofing project is complete and compliant with applicable standards..
Photos and Documentation
Photographs taken before, during, and after installation to show the full scope of work.
Supporting documentation such as material receipts, contractor invoices, and detailed work descriptions.