Will Your Insurance Company Drop Coverage If Your Roof Needs Replacing?

Your roof plays a crucial role in protecting your home, and insurance companies know it. If your roof is aging or in poor condition, you could be at risk of losing your homeowners insurance coverage. Here’s what you need to know about how insurers handle aging roofs, why they might cancel your policy, and what you can do to stay covered.

Why Would an Insurance Company Drop Your Coverage?

Insurance providers assess risk when determining whether to insure your home. An old or damaged roof increases the chances of leaks, storm damage, and costly claims. If your roof is past its expected lifespan or has significant wear and tear, your insurer may see it as too great a liability and decide not to renew your policy.

How to Know If Your Roof Puts Your Policy at Risk

Here are some signs that your insurance company may require a roof replacement to continue coverage:

• Your roof is 15–20+ years old – Many insurers won’t cover roofs beyond a certain age, especially if they are made from materials prone to deterioration.

• Visible damage – Missing, curling, or cracked shingles can be a red flag.

• Leaks or water stains – Evidence of water damage may indicate a failing roof structure.

• Failed inspection – If your insurer requires a home inspection and the roof doesn’t meet their standards, they may issue a warning or drop your policy.

What to Do If Your Roof Needs Replacing

If your insurance company is threatening to cancel your policy due to your roof’s condition, take action quickly:

• Schedule a professional roof inspection – A certified roofer can assess the damage and determine if repairs or a full replacement are necessary.

• Check your policy for roof requirements – Some insurers have specific guidelines about acceptable roof conditions and materials.

• Consider replacing your roof proactively – Installing a new roof can not only keep your policy active but may also qualify you for insurance discounts.

Stay Covered with Rainy Day Exteriors

Don’t wait until your insurance company drops your coverage. If your roof is aging or showing signs of wear, contact Rainy Day Exteriors for a free professional inspection. We can help you with the entire process and help you get a new roof to protect your home, keep your insurance policy active, and even save you money in the long run.