How do insurers evaluate roof risk?
Insurers may inspect a property using in-person inspections, aerial imagery such as satellite images or drone photography, or a combination of both. Aerial imagery is often used as a screening tool and may be followed by a physical inspection if concerns arise.
What roof characteristics do insurers typically review?
While underwriting standards vary, insurers commonly review roof age and roof condition when deciding whether to issue or renew a policy.
How does roof age affect eligibility?
Non-permanent roofing materials such as asphalt, wood, or rubber often have eligibility limits, commonly between 15 and 20 years. Architectural shingles may be eligible for longer periods, often 25 years or more. Tile and slate roofs are generally considered lifetime materials.
What roof condition issues may raise concerns?
Insurers may consider issues such as missing or damaged shingles, multiple layers of roofing material, unrepaired damage, excessive debris or moss buildup, and overhanging tree limbs that increase the risk of damage.
Can insurers rely solely on aerial images?
No. CID has advised insurers that aerial images showing discoloration, streaking, or other cosmetic issues alone should not be used to support underwriting action. Insurers must rely on clear indicators of roof condition consistent with their guidelines.
Can an insurer cancel or non-renew my policy because of my roof?
Insurers may decide not to renew a policy based on underwriting guidelines. Connecticut law requires at least 60 days’ advance written notice and a clear explanation for non-renewal.
After a policy has been in effect for more than 60 days, or for renewal policies, cancellation during the policy term is limited by law and generally allowed only for reasons such as nonpayment of premium, material misrepresentation, or a substantial change in risk.
What should I do if my insurer raises concerns about my roof?
You should ask your insurer for details about the issue, provide documentation if repairs have been completed or scheduled, and ask whether temporary extensions or alternatives may be available. Insurers may reconsider decisions if updated or corrected inspection information is provided. If the company is not listening to you contact the Insurance Department for assistance.
What if I cannot find homeowners insurance?
You are encouraged to shop around, as underwriting standards vary by insurer. If you are unable to obtain coverage in the private market, the CT FAIR Plan serves Connecticut’s insurer of last resort.
Additional Information:
Consumer Notice: Understanding How Insurance Companies Evaluate Roof Risk