Homeowners insurance dropping coverage due to old roof
Insurance companies are threatening to drop or deny coverage for homes with aging roofs, even when the roof is still structurally sound and has years of life left. This forces homeowners into the stressful dilemma of paying for an expensive preemptive replacement just to keep their policy active.
What people tried
Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.
- 1Waiting for an official insurance cancellation letter before taking action
- 2Inspecting specific high-wear areas like ridges, valleys, and sun-exposed sections to gauge remaining life
- 3Finding another insurance carrier
- 4Cutting coverage on the roof
- 5Replacing the roof prematurely to satisfy insurance requirements
In their words
Unedited, grouped by where they were said, most upvoted first within each place, each linked to the thread it came from.
“My insurance company (Erie) is threatening to drop my insurance because the roof is too old for them to insure it.”source ↗
“The roofing company yesterday said the roof looks in good shape. It easily should last another 5 years.”source ↗
“Another reason is the letter they’ll eventually get from their homeowners insurance company saying they will no longer cover the house until it’s replaced.”source ↗
“When you factor risk, piece of mind, increased premiums, and insurance renewal issues, it makes perfect sense for me to think about the eventual replacement of this roof.”source ↗
Where this came up
People with this problem also raised
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- 7How to fix cement fiber siding touching roof shingles
- 10Uneven shingles and bulges after new roof replacement