Homeowners Insurance Dropped Me!
We frequently get calls from homeowners whose insurance companies have informed them they’ll no longer provide coverage unless the roof is replaced. They’re often looking for a cash price to get the roof replaced quickly and restore their coverage. Here’s what you need to know to prepare for the worst:
Insurance companies may threaten to drop your coverage because of your roof for several common reasons—usually related to risk and liability. Here are the most likely explanations:
1. Roof Age
Older roofs (typically 15–20+ years old) are seen as a higher risk for leaks, structural failure, and storm damage. Even if your roof isn’t currently leaking, the insurance company may consider it a liability and ask for replacement or threaten cancellation.
2. Visible Damage or Wear
If an inspector or aerial imaging showed missing shingles, curling, ponding water, moss/algae growth, or other signs of deterioration, they may see it as a maintenance issue that increases the risk of a claim.
3. Improper Materials or Installation
If your roof doesn’t meet code, was installed by an unlicensed contractor, or uses materials not approved by your insurer (like wood shake in wildfire-prone areas), they may see it as non-compliant.
4. Lack of Maintenance
Roofs that appear neglected can signal larger underlying problems, such as water intrusion, wood rot, or mold. Insurers may expect you to stay on top of soft washing, replacing damaged components, and cleaning gutters.
5. Denied Inspection or Inadequate Documentation
If you denied access for an inspection or failed to provide photos and documentation after a request, they may flag the policy for cancellation based on insufficient underwriting information.
6. Storm-Prone Area with High Risk
In Texas and other storm-heavy states, insurers are tightening risk in certain ZIP codes. If you have an older or compromised roof in a high-risk area, they may opt to non-renew your policy.
