Dirty Roof = Canceled Insurance?
Did you know that insurance companies can cancel your policy over a dirty roof?
Everyone knows that roof stains are ugly, and detract from the value of your home.
We know the stains allow heat to build up in the house, causing the air conditioner to run longer, making energy bills higher.
( A reason all by it self to clean your roof. Read more in Roof Stains Energy Costs )
But, now, the insurance industry is concerned about the appearance of your roof!!
Your insurance company can inspect your home anytime, and frequently a drive-by inspection. Condition of home is noted, how well painted, chipping paint AND ROOF CONDITION! Including over hanging trees, and roof stains caused by algae, roof mold and mildew.
YES, Roof Condition.
Insurance Inspectors note the condition of the roof, and report it back to the insurance company who will may require that your clean the roof, or threaten cancellation of your policy! Of course, if they cancel you, the next insurance company may not insure your home for the same reason.
BUT WHY? Roof Conditions
Insurance companies actions confirm for us that they believe roof stains will lead to further problems with the roof integrity, roof mold, and the eventual movement of that mold inside the home. All of these items are 'risks' for the insurance company, because they may result in a claim against the policy.
What can I do?
Clean your roof before an inspector sees it!
Home inspections can occur at any time, however the most frequent triggers include:
- New Policy
- Annual Policy Renewal
- Change in coverage amounts
- Addition of riders
A Clean Roof is good for everyone
A Clean Roof makes contributes to neighborhood values, and good health.
Roof Cleaning can also save your home insurance!