Roof Inspection Report for Installing Solar Panels for a Bank: Requirements, Contractors, and Registration in EDESSB

Roof Inspection Report for Installing Solar Panels for a Bank: Requirements, Contractors, and Registration in EDESSB

Financing the construction of solar power plants (SPPs) is one of the most promising areas of “green” lending in Ukraine. Banks increasingly offer lending programs for solar panel installation, but a key condition for obtaining such financing is providing an official roof inspection report. This document confirms that the roof structures can withstand the additional load from photovoltaic modules and serves as a safety guarantee for the bank, the borrower, and the future power plant.

From 2026, the procedure for installing SPPs on roofs and facades is exempt from construction permitting procedures, but technical inspection of the building remains mandatory for legal entities and multi-apartment buildings. For banking institutions, this document is critical—without it, the credit committee will not approve the financing. What are the requirements for the report, who has the right to compile it, and how does the procedure work?

Why Banks Require a Roof Inspection Report

For a bank, a loan for installing solar panels always involves credit risk. If the roof cannot withstand the load, the consequences can be catastrophic: from property damage to structural collapse. That is why financial institutions require an independent technical conclusion confirming:

• the load-bearing capacity of the roof, taking into account the weight of the panels, mountings, ballast, snow, and wind loads;
• the technical condition of the structures, the absence of corrosion, cracks, deflections, and other defects;
• the feasibility of safe installation and subsequent operation of the SPP over the stated period.

Banks also pay attention to exactly who conducted the inspection and the status of the prepared document. A report compiled by an uncertified contractor will have no legal force and will not be accepted for consideration.

Certified Contractors: Who Has the Right to Conduct the Inspection

Only certified expert engineers who meet the requirements of current legislation have the right to conduct a technical roof inspection for banking purposes. According to the Law of Ukraine “On Architectural Activity” and DBN V.1.2-14:2018, technical inspections of buildings and structures are performed by specialists who:

• hold a qualification certificate of an inspection engineer;
• are registered in the Unified State Electronic System in the Construction Sector (EDESSB);
• have proven experience in conducting inspections of objects of the corresponding consequence class.

GlobalBud Ukraine has a staff of certified engineers who conduct technical inspections of roofs of any complexity in accordance with the requirements of DSTU 9273:2024 “Guidelines for the inspection of buildings and structures to determine and evaluate their technical condition.” It is such specialists who can prepare a report that the bank will accept.

Inspection Procedure: On-Site Visit and Instrumental Diagnostics

A roof inspection for a bank is not a remote assessment based on photos, but a full-fledged site visit by specialists. Engineers conduct comprehensive diagnostics, which include:

1. Visual inspection — identifying visible defects: cracks, deformations, signs of corrosion, leaks, and damage to the waterproofing layer.
2. Instrumental inspection — using modern equipment: laser levels to determine deflections and deviations from the horizontal; thermal imagers to detect hidden defects and thermal bridges; ultrasonic devices to assess the condition of materials; moisture meters to measure the moisture level of structures.
3. Load-bearing capacity assessment — calculating the actual loads on the roof, taking into account the weight of the panels, mountings, ballast, snow, and wind loads according to DBN V.1.2-2:2006 “Loads and Effects.”
4. Analysis of structural elements — checking the condition of the truss system, trusses, floor slabs, and roofing covering.

Based on the results of the visit, a detailed report is compiled, containing a description of the current condition of the structures, identified defects, load calculations, and a conclusion on the feasibility of installing the SPP. A technical roof inspection for an SPP from GlobalBud Ukraine is a comprehensive service that includes all the necessary stages to obtain an official report.

Registration in EDESSB: Why It Is Important for the Bank

From 2026, all technical reports on the inspection of building structures are subject to mandatory registration in the Unified State Electronic System in the Construction Sector (EDESSB). This requirement is stipulated by the Law of Ukraine “On Regulation of Urban Planning Activity” and CMU Resolution No. 466 “Some issues of preparatory and construction works execution.”

Registering a report in EDESSB has several key benefits for both the bank and the borrower:

1. Legal force of the document — a registered report is an official document that has evidentiary value and can be used in court or during reviews by regulatory authorities.
2. Transparency and verifiability — any bank or regulatory authority can verify the existence and status of the report in EDESSB.
3. Contractor liability — the certified engineer bears personal responsibility for the accuracy of the data entered into the system.
4. Protection against forgery — registration in EDESSB makes it impossible to forge documents.

For the bank, the presence of a report registered in EDESSB guarantees that the inspection was conducted professionally and in accordance with all legal requirements. This significantly reduces credit risks and speeds up the loan approval process.

How to Prepare for a Roof Inspection for a Bank

For the inspection procedure to go as quickly and efficiently as possible, it is recommended to prepare in advance:

• the technical passport of the building;
• project documentation (if available);
• reports of previous inspections or repairs;
• information about the planned capacity of the SPP and the number of panels.

GlobalBud Ukraine specialists conduct inspections at a convenient time for the customer, prepare a complete set of documents, and ensure the registration of the report in EDESSB. Read the latest news regarding changes in legislation and requirements for solar panel installation.

Frequently Asked Questions

Is it mandatory to register the roof inspection report in EDESSB for the bank?

Yes, this is a mandatory requirement. Without registration, the report has no legal force and cannot serve as a basis for the bank’s decision on lending. Registration in EDESSB confirms that the inspection was conducted by a certified contractor in accordance with all legislative requirements.

How long does a roof inspection and report registration take?

The duration depends on the roof area and the complexity of the structures. Visual and instrumental inspection takes from 2 to 4 hours. Preparing the report and registering it in EDESSB takes up to 3 working days.

What documents does the bank require along with the inspection report?

Typically, the bank requires: a technical roof inspection report registered in EDESSB; a copy of the inspection engineer’s qualification certificate; a certificate of completion; and, if necessary, additional documents stipulated by the bank’s credit policy.

Conclusion

A roof inspection report for installing solar panels for a bank is not just a technical document, but a key element of the lending process. Its quality and legal purity determine not only the loan approval but also the safety of the entire solar power plant. Choose certified contractors, demand an on-site visit, and ensure the report is registered in EDESSB—this is a guarantee that your project will be implemented safely, legally, and with the full trust of the bank. View the full list of GlobalBud Ukraine services for businesses and individuals.