07/24/2026
A lot of times when I go out to a house to look at someone's roof I find it in good condition and find that no major repairs are needed at that time. Other times I find a roof that is 15+ years old, has had patchwork, accumulated storm damage (wind, hail, trees, leaks), and has not been maintained since it was last replaced..
For the homeowners whose roof is in good condition I advise them on what they should do for their roofing system to not let it fall into "disrepair". Roof tune ups will hit all of the preventative maintenance areas of the roof and you will receive a timestamped photo report showing that you have done your due diligence as a homeowner to protect and maintain the home your insurance company is insuring should you ever receive this letter..
For the homeowners who have a roof that is old, has storm damage present, and previous patchwork from a buddy or relative that "used to do roofing", I advise them that they should consider using the insurance company that they pay thousands of dollars to year after year to pay for the repairs required that were caused by covered storm related damage..
The image on this post is an example of a letter that many homeowners receive from their insurance company after they have paid thousands on time every year since they started with them..
A common concern I get from homeowners with a justified loss is "I am afraid to file a claim because my insurance company might drop me". My response to them is "I understand your concern but do you know what happens if you do nothing? It may not be this year or the next year, but eventually they are going to do an appraisal on your house with or without your knowledge and you will receive a letter in the mail like this one. Once your roof reaches an age of 15-20 years and it is considered to be in "disrepair" they will not renew your policy with them.". If you get this letter before you file a claim with a justifiable loss, most times it's too late to do anything about it because the date of loss for the damage on your roof is outside of the coverable timeframe. Now you are dipping into savings, pulling money from your 401k, or taking out a loan to replace your roof just so you can keep insurance on your home..
When you are in the roofing and restoration industry you hear things like this a lot.. Insurance companies are not good neighbors, they're not always there, you are not in good hands, and they are not on your side. They do know a thing or two because they've seen a thing or two about how to find creative ways to deny claims but if you work with a contractor that knows the industry, you can give yourself the best chance at successfully navigating the insurance restoration process. (Not everyone in the insurance industry is bad but the carriers are in it to make billions to pay millions)
If you've made it this far reading this post, please like and share it so your friends and family who own homes can read it as well. My name is Andrew and I find joy in helping homeowners understand the insurance and roofing process. Call me anytime and I'll answer questions, schedule an inspection, or give you a quote. Don't get stuck with the bill if you are already paying!
980-328-7655
