In recent years, homeowners insurance providers have begun leveraging advanced technology, such as drones, to assess the condition of policyholders’ roofs. These assessments are not just for policy renewals; they are increasingly used to determine whether to deny or cancel coverage. For homeowners in San Jose, this trend underscores the importance of maintaining a roof that meets insurance standards.
To avoid losing your homeowners insurance, address any roofing issues promptly. Proactive maintenance can prevent costly insurance complications, whether repairing minor damage or replacing an aging roof. A well-maintained roof contributes to your home's safety and longevity and helps maintain your insurance coverage.
At Infinium Solar Roofing and Electric, our team is ready to assist with roofing needs, from repairs to complete replacements. Call (650) 600-0747 or contact us online to schedule an appointment.
Why Insurance Companies Are Dropping Coverage Based on Aerial Inspections
Aerial inspections provide insurers with detailed footage of a property's roof, allowing them to more precisely evaluate its quality and overall condition. While efficient for the insurers, this method has led to a growing number of homeowners facing unexpected loss of coverage.
Insurance companies are particularly focused on the roof's state during these inspections.
Roofs showing any of the following are often flagged as high risk:
- Damage
- Visible moss growth
- Missing or broken shingles
- Passed life expectancy
Based on these observations, insurers may decide not to renew a policy, leaving homeowners scrambling to secure new coverage, often at a higher cost.
The Importance of Keeping Your Roof in Good Condition
Homeowners insurance is a vital safeguard, covering damage to your home, property, belongings, and other assets. However, the condition of your roof is significant in determining the extent of this coverage.
An improperly maintained roof can increase the risk of water leaks, structural damage, and other potential hazards. Insurance companies view these risks seriously, often categorizing poorly maintained roofs as high-risk, which could lead to higher premiums, non-renewal, or even denial of coverage.
The type of roofing material used also impacts your insurance coverage. For instance, homeowners insurance providers may be hesitant to cover homes with wooden roofs because they are not fire-resistant, making them a significant liability, particularly in fire-prone areas like California.
In response to the increased risk of wildfires, California has implemented an insurance pricing regulation that rewards wildfire safety and mitigation efforts. This regulation requires insurance companies to offer discounts to homeowners who take specific safety measures, such as upgrading their roofs with fire-resistant materials like clay tiles or slate.
Maintaining a high-quality, safe roof protects your home and eligibility for homeowners insurance coverage.
Take Steps to Safeguard Your Homeowners Insurance Policy
A well-maintained roof is vital for keeping your homeowners insurance intact. If your roof needs repair or replacement, it’s crucial to address these issues promptly. Delaying necessary maintenance can lead to significant problems, including the potential for your insurance provider to drop your coverage.
Regular maintenance can keep your roof in top condition and prevent insurance complications.
Whether your roof is newly installed or has been in good shape for years, the following practices can help maintain its longevity and your insurance eligibility:
- Get regular inspections. Schedule professional roof inspections every two years to catch any potential issues early. Inspections are essential after severe weather events.
- Trim overhanging branches. Overhanging branches can break during storms and cause damage to your roof. Regularly trimming these branches can prevent such incidents and protect your roof from unnecessary wear and tear.
- Remove debris. Leaves, twigs, and other debris can accumulate on your roof, trapping moisture and leading to mold or rot. Regularly clearing debris will help prevent these issues and extend the life of your roof.
- Check flashing. Inspect the flashing around chimneys, vents, and other roof features. If the flashing is damaged or worn, it can let water leak into your home, potentially causing structural issues.
- Repair minor damage promptly. Even small issues, like a cracked shingle or a loose tile, can escalate into major problems if left unaddressed. Prompt repairs will keep your roof in good condition and help avoid costly damage.
Contact Our Team Today
You can protect your home and remain covered by taking proactive steps—such as scheduling regular inspections, promptly addressing minor damages, and ensuring your roof is made of durable, fire-resistant materials.
At Infinium Solar Roofing and Electric, we offer comprehensive roofing services to meet your needs. Our team handles minor repairs, complete replacements, and new installations. We also provide roof inspections to help you stay ahead of potential issues.
For a free estimate on your roofing service, please contact us at (650) 600-0747. We proudly serve San Jose and the surrounding areas.