Is Your Homeowners Insurance Being Canceled Due to Your Roof?

Here’s Why—and What You Can Do

The insurance industry is currently in a tough spot, with rising rates and stricter underwriting practices. One of the key issues homeowners are facing is the cancellation of their insurance policies due to the age or condition of their roof. Homeowners with roofs as young as 10 or 15 years old are being affected. Some carriers are refusing to renew policies, while others are switching from Replacement Cost Value (RCV) to Actual Cash Value (ACV) for claims, leaving homeowners with less coverage.

But what’s really behind this trend? And how can you prevent it from happening to you? Let’s break it down.

Why Is the Age of Your Roof Such a Big Deal?

While the age of your roof plays a role in your homeowners insurance policy, insurance companies are more concerned with the condition of your roof. A roof that shows signs of wear and tear—like missing shingles, streaks, or moss growth—is more likely to result in a claim, which makes it a higher risk for insurers. Older roofs are simply more susceptible to damage from the elements, which increases the likelihood of filing a claim. As a result, carriers either charge higher premiums or drop coverage altogether.

Roofing materials also have a lifespan, and once your roof gets close to that limit, insurance companies may start to reconsider your policy. For example, an asphalt shingle roof typically lasts about 20-25 years, but signs of aging can start to appear much earlier. This wear and tear signals to insurers that your home is at a higher risk of leaks or structural damage, which is why they might cancel your policy or switch you to ACV.

For more information on how the age of your roof affects your insurance rate, check out our blog post here.

How the Condition of Your Roof Impacts Your Home

Your roof is your home’s first line of defense against harsh weather. A poorly maintained roof can lead to leaks, water damage, and even mold, all of which can cause significant problems and costly repairs. When your roof is in bad shape, it not only affects the safety of your home but also signals to your insurance company that you’re more likely to file a claim in the future.

Here’s why insurers care so much about your roof:

Increased Risk of Claims: A worn roof is more likely to leak or sustain damage during storms.
Higher Repair Costs: Damage to a failing roof can spread to other parts of the house, leading to expensive claims.
Frequent Claims: Older roofs often result in more frequent claims, making them a liability for insurance companies.

What You Can Do to Keep Your Insurance and Protect Your Roof

Don’t wait for your insurance company to take action. Proactively maintaining your roof can help prevent policy cancellations and keep your premiums lower. Here are some steps you can take:

Regular Roof Inspections
Schedule a professional roof inspection at least once a year, especially after major storms. Inspections can catch small issues before they become big problems, saving you money and helping you maintain coverage.
Keep Your Roof Clean
Dirt, moss, and debris can cause significant damage over time. Regular roof cleanings will not only make your roof look better but also extend its lifespan.
Fix Issues Promptly
If your roof has damaged shingles, leaks, or other signs of wear, get them repaired as soon as possible. The longer you wait, the worse the damage—and the more likely your insurance company will drop you.
Replace Your Roof When Needed
If your roof is nearing the end of its life or showing significant wear, it might be time for a replacement. Installing a new roof could make you eligible for insurance discounts and will certainly reduce the risk of coverage issues. Newer roofs, especially those with impact-resistant materials, are often eligible for discounts because they are more resilient to damage.
Keep Communication Open with Your Insurer
If your roof is older, it’s important to stay in touch with your insurance agent. They can help guide you on when it’s time to repair or replace your roof to avoid policy cancellation.

The Bottom Line

Your roof plays a critical role in protecting your home and maintaining your homeowners insurance coverage. With rising premiums and stricter underwriting practices, it’s more important than ever to stay on top of roof maintenance.

Need advice or guidance? At Platt Insurance, our independent agents are here to help you navigate the complex world of homeowners insurance and ensure you’re properly protected. Whether it’s roof-related concerns or any other coverage questions, we’re ready to assist. Give us a call today to discuss your options!

Click here to learn more about Replacement Cost vs Market Value

How does the age of your roof affect home insurance claims? Click here

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