The Risk of Roof Neglect and Insurance Cancellation
Homeowners insurance is designed to protect your property from unexpected damages, but what happens when your roof becomes a liability due to lack of maintenance? Many homeowners assume that their policy guarantees coverage regardless of their roof’s condition. However, insurance companies have the right to drop or deny coverage if they determine that a neglected roof increases their risk exposure.
In this guide, we’ll break down how insurance companies evaluate roofs, why they might cancel your policy, and what steps you can take to ensure your home remains insured while keeping your roof in top condition.
Can Insurance Cancel Your Policy for Roof Neglect?
The short answer is yes. If your insurance provider determines that your roof is in poor condition due to lack of upkeep, they may increase your premiums, exclude roof coverage, or cancel your policy entirely.
Here’s why:
An aging or damaged roof is a financial risk to insurers because it increases the likelihood of future claims.
Insurers conduct periodic inspections and may request repairs or replacements to continue coverage.
Neglecting maintenance could violate policy terms, leading to claim denials or policy non-renewal.
What Roof Issues Can Lead to Insurance Cancellation?
Insurance companies assess the condition, age, and maintenance history of your roof to determine whether they will continue coverage. The following red flags could result in a canceled or non-renewed policy:
Aging Roofs
Most insurers hesitate to cover roofs older than 15-20 years.
Older roofs are more susceptible to leaks, missing shingles, and weather-related damage.
Some policies require regular inspections to ensure an aging roof remains structurally sound.
Visible Damage
Curling, cracked, or missing shingles can indicate structural weakness.
Sagging rooflines suggest potential water damage or rot.
Unaddressed leaks signal neglect and can lead to mold, structural deterioration, and expensive claims.
Poor Drainage or Gutter Issues
Clogged gutters and downspouts can cause water to back up and damage the roof structure.
Pooling water on flat or low-slope roofs accelerates wear and tear.
Lack of Preventative Maintenance
Failing to replace damaged shingles, seal flashing, or clear debris weakens the roof.
Routine professional inspections are often required for continued coverage.
How Do Insurance Companies Check Roof Condition?
Insurers don’t just take your word for it—they conduct evaluations to determine whether your roof meets coverage requirements. Here’s how they assess its condition:
Property Inspections
Many insurers conduct in-person inspections or require photo documentation.
Roof inspectors look for damage, missing materials, or signs of neglect.
Aerial & Drone Assessments
Some companies use satellite imagery or drones to evaluate the roof’s condition.
This technology helps detect hidden damage before a claim is filed.
Policy Renewal Reviews
If your roof is nearing the end of its lifespan, the insurer may require repairs or full replacement before renewing your policy.
A letter of non-renewal can be issued if the roof is deemed uninsurable.
What Happens If Your Insurance Company Drops Your Policy?
If your insurance provider decides to cancel or not renew your policy, you may face the following consequences:
Limited replacement options: Many providers refuse to cover homes with roofs beyond their acceptable age.
Higher premiums: A history of canceled policies can make it harder to find affordable coverage.
Mortgage lender issues: Most lenders require homeowners insurance, and losing coverage may put you in violation of mortgage terms.
What You Can Do: ✔ Request a professional roof inspection and complete necessary repairs before renewal time. ✔ Consider shopping for a new insurer that offers policies for older roofs. ✔ Invest in preventative maintenance to avoid future cancellations.
How to Protect Your Insurance Coverage with Proper Roof Maintenance
To keep your home protected and avoid losing insurance coverage, follow these maintenance best practices:
Schedule Regular Roof Inspections
Hire a licensed roofing professional for inspections every 1-2 years.
Document findings and submit reports to your insurer if required.
Repair Minor Issues Before They Escalate
Fix loose, missing, or damaged shingles promptly.
Seal leaks, flashing, and roof vents before water damage spreads.
Keep Your Gutters and Drainage Clear
Clean gutters twice a year (spring and fall) to prevent water buildup.
Ensure downspouts direct water away from the foundation.
Address Storm Damage Immediately
If a storm causes hail or wind damage, schedule an inspection and file a claim quickly.
Keep a record of before-and-after photos for insurance documentation.
Final Thoughts: Will Insurance Drop You for Roof Neglect?
Yes, your insurance provider can drop your policy if you don’t maintain your roof. Insurers require homeowners to keep their roofs in good condition to minimize financial risk. Failing to address visible damage, age-related wear, or maintenance issues can result in higher premiums, denied claims, or policy cancellation.
The best way to protect your coverage is through routine inspections, timely repairs, and proactive maintenance. If you’re concerned about your roof’s condition, Tier-One Roofing can help. With over 35 years of experience, we provide comprehensive roof inspections and repairs to ensure your home stays covered.
📞 Schedule a free roof inspection today! Call (918) 393-4682 or visit www.tier-oneroofing.com.