Maintaining Your Roof May be Key to Maintaining Your Insurance

Most homeowners know the importance of regular home maintenance, with the roof being a key component of their home. However, a recent news story detailed a new trend of home insurance companies —requiring homeowners to clean their roofs. In fact, one homeowner received a letter from his insurance company requesting that he clean his roof, or else they would cancel his policy. Before something similar happens to you, consider cleaning and maintaining your roof so you can avoid a possible problem with your home insurance company and also protect one of the most important parts of your home.

Most roofs have a life expectancy that can vary depending on the materials used and your local climate, as detailed on the International Association of Certified Home Inspectors’ website. However, instead of simply waiting for a roof to fail at the end of its life expectancy, you can take regular steps to maintain and protect your roof. By doing so, you can increase your chances of enjoying the full useful life of your roof, or even extend it regardless of where you live – Portland, Phoenix, Oakland, Nashville, Milwaukee – doesn’t make a difference!

You should also keep in mind that while damage to your roof from a storm will be covered by your home insurance policy, there are situations in which roof damage will not be covered. For example, home insurance policies are careful to exclude damage as a result of a lack of maintenance or any wear or tear. If your roof is found to be damaged or faulty due to your failure to maintain it, not only will the roof not be covered, but any other resulting damage may be excluded as well. For instance, water leaks from the roof or the collapse of the roof itself could also be excluded due to your lack of care in the upkeep of your home.

Therefore, while it may seem a bit onerous for the insurance company to require regular cleaning of your roof, they are actually helping you to prevent damage and potential claims. A thorough roof cleaning can be just a fraction of the total cost to replace a roof, according to a recent story on Fox 59. The cleaning will remove algae and other organisms that can eat away at the roof, weakening it and requiring replacement sooner than expected. If you are thinking of selling your home, a clean roof will also improve the appearance of your home and can improve your chances of selling quickly.

Sometimes, a cleaning may not be enough to keep your roof in good working order. If this is the case, be sure to consult a licensed professional to assist with any repairs. Unfortunately, there are some unscrupulous roofing contractors that prey on those needing emergency repairs who do not have the luxury of time to do their research, so instead of becoming a victim to such companies, complete your roof cleaning and maintenance before any problems arise. This way, you can take your time to research and solicit recommendations from those you trust before making a decision.


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