Insurance-Related Roof Concern?
Did Your Insurance Company Flag Your Roof?
You may not need a new roof.
If your homeowners insurance company has asked you to address moss, algae, staining, debris, or another roof condition, the first step is understanding exactly what they want corrected.
We can review your notice and help determine whether professional roof cleaning may address the condition identified by your insurer.
Serving homeowners throughout Western Massachusetts · 4137881133
Why Is My Insurance Company Looking at My Roof?
Insurance companies may evaluate roof condition as part of their underwriting process. Some use aerial imagery or property inspections to review a home's roof. Conditions they may note include:
- Significant moss growth
- Algae
- Damaged shingles
- Roof age
- Deterioration
- Debris
- Other visible roof conditions
There is not one universal Massachusetts requirement that every homeowner clean their roof. Different insurance companies have different underwriting requirements.
Does an Insurance Roof Notice Mean I Need a New Roof?
Not necessarily.
A roof with moss, algae, staining, or organic buildup may sometimes be professionally cleaned rather than replaced, assuming the underlying roofing material is still serviceable.
Cleaning does not fix:
- Structural problems
- Major roof damage
- Missing shingles
- Severe deterioration
- A roof that has reached the end of its useful life
We'll be honest about when cleaning is appropriate and when you should consult a roofing contractor instead.
How the Roof Cleaning Process Works
1
Review the Notice
Upload the insurance letter or inspection report.
2
Evaluate the Roof
Evaluate the roof for moss, algae, staining, debris, and visible deterioration.
3
Protect the Property
Take appropriate precautions around landscaping and surrounding surfaces.
4
Soft Wash the Roof
Use a professional soft-wash approach rather than aggressive high-pressure washing.
5
Document the Work
Provide before-and-after documentation when appropriate.
6
Follow Up
The homeowner can provide documentation to their insurance company according to the insurer's instructions.
Received an Insurance Roof Notice?
Don't assume you need a new roof. Find out what your insurance company is actually asking you to address.