Top 5 Common Roof Issues That Can Lead to Insurance Cancellations

Severe weather events, including hail, high winds, and heavy rain, can wreak havoc on a roof, causing extensive damage even after a single storm. Hail can crack or puncture shingles, leaving the underlayment exposed to moisture and increasing the risk of leaks. Strong winds can loosen or blow off shingles entirely, making the roof vulnerable to water infiltration and structural damage. Heavy rain can exploit even the smallest weak spot, seeping into the roof’s layers and causing long-term damage that may go unnoticed until it becomes a serious problem.

In regions like Pittsburgh and southwestern Pennsylvania, where unpredictable weather patterns and harsh seasonal changes are common, roofs face constant exposure to these elements. For insurers, storm-related damage is a significant risk factor, as unaddressed issues following severe weather can lead to frequent claims. Insurers may view roofs without post-storm inspections as liabilities, increasing the likelihood of premium hikes or even coverage cancellations if damage is left unaddressed.

The Big Fish Roof Assurance Program offers essential support to homeowners by providing post-storm inspections that identify and address weather-related issues early on. Our team performs minor repairs and reinforces damaged areas to prevent further deterioration, helping to protect both the roof’s integrity and the homeowner’s insurance coverage. With proactive care after each storm, Big Fish helps homeowners avoid costly repairs and keep their roof ready to withstand whatever the weather brings next.

Issue #4: Clogged or Damaged Gutters

Clogged or damaged gutters may seem like a minor issue, but they can lead to serious roof and home damage if left unaddressed. When gutters are blocked, water cannot flow away from the roof and instead pools along the edges, increasing the likelihood of leaks. Over time, this standing water can seep into the roofing layers, causing mold growth, wood rot, and potentially compromising the structural integrity of the roof and surrounding areas.

Insurance companies often view gutter-related damage as a preventable issue. If water damage results from clogged or neglected gutters, insurers may deny coverage on the grounds of homeowner neglect, leaving the homeowner responsible for repair costs.

The Big Fish Roof Assurance Program addresses this risk by including regular gutter inspections and cleaning as part of its service. By ensuring that gutters remain clear and functional, Big Fish helps homeowners avoid unnecessary water damage, protect their roof’s health, and maintain insurance compliance. This proactive approach keeps gutters in good shape, preventing small issues from escalating into costly repairs.

Issue #5: Poor Roof Installation or Previous Repairs

A poorly installed roof or substandard repair work can create significant long-term problems for homeowners. When installation or repairs aren’t done to professional standards, the roof may lack the stability it needs, making it more susceptible to issues like leaks, sagging, and premature deterioration. Even minor mistakes in installation or repair can result in weak points that lead to costly damage over time.

For insurers, roofs with a history of poor installation or inadequate repairs represent a higher risk. These roofs are prone to frequent issues and costly claims, which makes insurers more hesitant to provide or renew coverage. In some cases, an insurer may even require that a roof be brought up to standard before coverage can be extended.

The Big Fish Roof Assurance Program includes a thorough inspection to assess the quality of the roof’s installation and any prior repairs. If issues are found, our team provides guidance on necessary improvements to strengthen the roof’s structure. With Big Fish’s support, homeowners can feel confident that their roof meets professional standards, reducing the risk of damage and ensuring they meet insurance requirements.