No matter how well you maintain your roof, you must replace it at some point. However, before you get a roof replacement, your roof will show obvious signs that cleaning or repairs are needed.
For instance, moss or black algae may grow on them, or a few shingles may be missing due to heavy winds or storms over the years. While you may not think these minor issues are a big deal, your insurance company may think differently.
If you aren’t sure about the state of your roof, reach out to a reputable residential roofing contractor near you.
Unfortunately, these problems and a few others could lead to homeowner’s insurance cancellation. So, to avoid getting a cancellation notice from your insurance company, learn about these issues that could terminate your policy and address them immediately.
Dirty Roofs
Believe it or not, a dirty roof can cancel your home insurance policy. Having things like leaves, twigs, and pine cones on your roof due to a dirty gutter is unsightly and can start to wear down the shingles on your roof.
Besides these outdoor elements that may land on your roof, your roof may also have plenty of bird poop on it. If your home’s roof is a haven for pigeons and other birds, their excrement can severely damage your shingles over time.
Another detrimental item that can dirty your roofs and cause long-term damage is the presence of microorganisms such as moss, black algae, or lichen. While they seem harmless, they thrive off the wood decking and shingles.
Over time, these microorganisms can cause irreparable damage to your shingles and leaks in your roof. Regular roof cleanings at least once a year will help remove these items from your roof and minimize the possible damage these items can cause.
Minor Roof Repairs
If you’ve noticed cracked, chipped, or missing roof shingles, you should get them repaired. Keep in mind that the shingles you see that are damaged may not be the only damaged ones on your roof. Getting a roof inspection can allow a roof contractor to know the extent of the damage and make fixes as necessary.
Not addressing shingle issues can cause leaks in your attic, mold growth, and significant water damage to your roof’s decking.
If an insurance company discovers problems with your shingles, they could cancel your policy.
Old Roofs
How old is your roof? Each roofing type has a lifespan, and if yours is nearing its end or well past it, you could be at risk of insurance cancellation. If you have an asphalt roof, it may last 15 to 20 years. Tile and metal roofs will get about 40 to 70 years of use.
If you know that your roof is at the end of its lifetime or approaching the end of it, it’s a good idea for you to speak with a roofing company about replacement.
Low-Hanging Tree Hazards
If you’re not keeping your trees properly trimmed and pruned, this could also get you into some serious trouble with your insurance provider. Trees knocking against your home’s roof when the wind blows or when it storms can knock off a substantial amount of shingles or severely damage them.
Branches and limbs may also break off during intense windstorms and could cause significant damage to your roof. Should such accidents occur, your insurance adjuster may find you liable if you weren’t getting regular tree maintenance. Working with a landscaping or tree removal company would be a good idea to remedy this issue before a provider cancels your insurance.
Hail Damage
Has your town recently experienced hail? Then, you may have hail damage on your roof. This event in itself won’t get your insurance canceled. However, failure to do something about it shortly after the weather event could.
Hail damage could chip, crack, or knock your shingles off your roof, causing moisture damage to wreak havoc on your roof decking and attic. It is critical that you get a roof inspection as soon as possible after a storm and submit a claim to get the repairs or roof replacement you need. You have up to a year to make such a claim.
Frequently Asked Questions
How can I avoid getting my insurance canceled for roof issues?
You should get regular roof inspections to avoid insurance cancellation. Getting an inspection at least once a year from a preferred roofing company is ideal. Upon completing the inspection, a roofer will advise you about issues you must address, such as damaged or missing shingles, signs of water damage, or the presence of moss or algae on your roof.
What do I do if my insurance provider cancels my policy due to a bad roof?
Your insurance provider may sometimes reinstate the coverage once you get the necessary maintenance. However, you may have to get a new insurance provider entirely.
Could a bad roof prevent me from selling my home?
Yes. Depending on the severity of the damages, a bad roof may interfere with your ability to sell a home. However, a buyer may still purchase the house but negotiate a significantly lower home price since they must make the repairs.
Roofing Services that are Trusted and Preferred throughout Metro Detroit
Don’t let a bad roof get your insurance policy canceled or keep you from selling your home. Contact one of our experts at Excel Home Improvement in Romulus for assistance.
We’ll come out and perform a Free inspection and offer advice on how to improve your roof. We specialize in roofs installation and repair, siding installation and gutters. Quality products and workmanship are the hallmarks of our trusted home improvement services company. Call today to schedule an appointment.