Insurance Providers Are Canceling Homeowner Coverage Unless You Have Proof of Roof Inspection, Repairs, or Replacement

Aging Roof

Penalties

Insurers are reducing coverage for older roofs, resulting in lower payouts or ACV policies, or the complete cancellation of policies.

Severe

Weather Risks

The increase in severe weather events lead to overall higher deductibles and specific weather clauses for damage.

Maintenance

Requirements

Insurers are now assessing the type of roofing material and maintenance records to mitigate risks.

Failure to Comply Will

Result in Dropped Coverage

If you ignore these notices from your insurance provider, you will face dropped coverage on your home.

Professional Roof and

Gutter Inspection

Receive a thorough inspection covering all of the roofing components, identifying areas that need attention.

Minor Repairs

Included

We’ll make minor repairs, preventing small issues from becoming major problems.

Inspection Report for Insurance Compliance

Receive a detailed inspection report to share with your insurance company.

 Available

Financing Options

Take advantage of our multiple financing options if your roof needs replaced in order to maintain coverage.

Frequently Asked Questions

Why did I get a letter from my insurance company demanding an inspection, a repair or a roof replacement on my home? It's not even leaking.

With losses mounting the past few years in PA, insurance companies are acting to mitigate their homeowner policy risk. Your insurance company can demand an inspection, repair, or a complete roof replacement at your cost because they’ve identified risks that could lead to costly claims for them. Even if your roof isn’t leaking, issues like aging materials, stains on your roof, hidden damage, or normal wear can compromise its ability to protect your home. Ignoring these demands puts your coverage at risk—act now to ensure your home stays protected and your policy remains valid.

 If only an inspection is required, what is included in the RoofGuard Program?

A complete inspection report including photos that will satisfy your insurance company, You can also opt for a complete maintenance program which will include gutter cleaning and small maintenance (i.e resealing nail heads, small flashing repairs, etc.) at the same time.

Will this inspection report improve my insurance policy?

Potentially - addressing your insurance company’s requirements by having an inspection, repair, or roof replacement will prevent your insurer from cancelling your policy. Often other insurers will not cover you once this happens. It can, however, possibly improve your policy standing. A well-maintained or newly replaced roof reduces your home’s risk profile, which may lead to better rates, continued coverage, or added policy benefits. Taking proactive action shows your commitment to maintaining your home, which insurers value.

What happens if the inspection reveals larger issues?

If the inspection reveals larger issues, addressing them promptly is crucial. Ignoring major problems could lead to denied claims, policy cancellation, or significant out-of-pocket costs down the line. We’ll work with you to resolve these issues efficiently, whether through repairs or a full replacement, ensuring your home remains protected and compliant with your insurance requirements.