Homeowners insurance cancelled because of roof

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Homeowners insurance is a crucial protection for homeowners, providing coverage for various risks and damages to their property. However, there are instances where insurance companies may choose to cancel a policy due to specific reasons. One common reason for homeowners insurance cancellation is related to the condition of the roof. In this article, we will explore why homeowners insurance may be cancelled because of a roof and what homeowners can do to prevent such a situation.

The Importance of a Roof in Homeowners Insurance

The roof is an essential component of a house, providing protection against the elements and maintaining the structural integrity of the property. Insurance companies consider the condition of the roof when assessing the risk associated with insuring a home. A well-maintained roof reduces the likelihood of damage caused by water leaks, windstorms, or other hazards. On the other hand, an old or damaged roof increases the risk of potential claims, leading insurance companies to cancel or refuse coverage.

Reasons for Homeowners Insurance Cancellation

Lack of Maintenance: Insurance companies expect homeowners to properly maintain their properties, including the roof. If a roof is neglected and shows signs of deterioration, such as missing shingles, leaks, or structural damage, it can be grounds for cancellation. Regular inspections and maintenance can help prevent such issues.

Age of the Roof: As roofs age, they become more susceptible to damage and require more frequent repairs. Insurance companies may cancel a policy if the roof is too old, typically around 20-25 years, as it poses a higher risk of leaks and other problems. Some insurers may require a roof inspection or replacement before renewing or issuing a policy.

Material and Construction: The type of roofing material and its quality can also impact insurance coverage. Certain materials, such as wood shakes or thatched roofs, may be considered higher risk due to their vulnerability to fire or other hazards. Additionally, poorly constructed roofs that do not meet building codes or lack proper reinforcements can lead to insurance cancellations.

Preventing Homeowners Insurance Cancellation

To avoid having homeowners insurance cancelled due to roof-related issues, homeowners can take several proactive steps:

Maintain the Roof: Regularly inspect the roof for any signs of damage, such as missing or damaged shingles, leaks, or sagging. Promptly address any issues by hiring a professional roofer to make necessary repairs. Regular maintenance and timely repairs can help extend the life of the roof and prevent insurance cancellations.

Replace an Aging Roof: If the roof is approaching the end of its lifespan, consider replacing it before it becomes a reason for insurance cancellation. A new roof not only reduces the risk of damage but also improves the overall safety and value of the property.

Choose the Right Materials: When installing or replacing a roof, consider using materials that are durable, fire-resistant, and meet local building codes. Opting for high-quality materials can reduce the risk of insurance cancellations and potentially lower insurance premiums.


Homeowners insurance cancellation due to roof-related issues can be a significant concern for homeowners. By understanding the importance of maintaining a roof and taking proactive measures to address any issues, homeowners can reduce the risk of insurance cancellations. Regular inspections, timely repairs, and considering roof replacement when necessary are essential steps to ensure the roof remains in good condition and insurance coverage remains intact.


– Insurance Information Institute: www.iii.org
– National Association of Insurance Commissioners: www.naic.org
– HomeAdvisor: www.homeadvisor.com