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How Insurance Changes Are Forcing Roof Replacements—and What You Can Do About It

How Insurance Changes Are Forcing Roof Replacements—and What You Can Do About It | Your Trusted Roofing Contractor in Minneapolis

If you’re a homeowner in Minnesota, you might have noticed a troubling trend: insurance companies are becoming increasingly selective about renewing policies for homes with older roofs. This shift has left many homeowners scrambling to replace roofs that still have years of life left. As a trusted roofing contractor in Minneapolis, Wright at Home Roofing & Exteriors has been receiving more calls than ever about this issue. Here’s what’s happening and what you can do to protect yourself and your home.

A residential roofing contractor on a ladder on top of a roof in a process of roof inspection for roof repair minneapolis, MN

The Bigger Picture: Why Insurance Coverage is Changing

Across the U.S., insurance companies are reevaluating risk due to significant losses from natural disasters. While much of the national news has focused on areas like Florida, which faces hurricanes, or California, with its wildfires, similar dynamics are playing out in hail-prone states like Minnesota, Colorado, and Texas. In these regions, insurance companies are increasingly hesitant to cover older roofs.

Minnesota has been experiencing a micro-version of this national trend. Insurance carriers, citing financial losses, are refusing to renew policies for homes with roofs over a certain age. For many homeowners, this means being forced to replace a roof that may be 15 to 17 years old, despite it having a typical lifespan of 30 years.

The Catch: Denied Claims and Dropped Policies

The issue doesn’t stop at non-renewals. In some cases, homeowners file a claim for minor hail damage, only to have the claim denied. But instead of moving on, the insurance company sends a letter weeks later, notifying the homeowner that their policy will not be renewed due to the roof’s age. This scenario—where filing a claim can indirectly lead to policy cancellation—is becoming increasingly common.

Even if homeowners try to switch providers, they often encounter roadblocks. Many insurance carriers now refuse to write policies for roofs over 12 years old, regardless of the roof’s actual condition. This leaves homeowners with limited options: replace the roof or risk going uninsured.

The Impact on Homeowners

This trend has significant financial and emotional repercussions for homeowners. Not only are they being forced into premature roof replacements, but they are also facing rising insurance premiums. For many, the combination of these costs can be overwhelming. Moreover, navigating the process—from dealing with denied claims to finding a reliable roofing contractor—adds another layer of stress.

A residential roofing contractor on a ladder on top of a roof in a process of roof inspection for roof repair minneapolis, MN

What You Can Do to Protect Yourself

If you’re concerned about your roof’s age and insurance coverage, there are proactive steps you can take:

  1. Work with a Trustworthy Contractor: Avoid door-to-door roofers who encourage you to file claims without thoroughly inspecting the damage. At Wright at Home Roofing & Exteriors, we provide honest assessments, ensuring you only file a claim when it’s truly necessary.
  2. Know Your Policy: Familiarize yourself with the terms of your homeowner’s insurance policy, especially any clauses related to roof age and coverage. Understanding these details can help you avoid surprises down the road.
  3. Invest in Regular Maintenance: Keep your roof in top condition with routine inspections and maintenance. A well-maintained roof can help you negotiate better terms with your insurer.
  4. Act Quickly if Dropped: If your insurer refuses to renew your policy due to your roof’s age, consult with a reputable roofing contractor immediately. Wright at Home Roofing & Exteriors can help assess whether a replacement is necessary and guide you through the process.

Trust Wright at Home Roofing & Exteriors for Your Roofing Needs

At Wright at Home Roofing & Exteriors, we understand the frustration of navigating insurance challenges while trying to protect your home. As a leading roofing contractor in Blaine, we’re here to offer honest advice, quality workmanship, and peace of mind. If you’re facing an insurance issue or need a roof replacement, contact us today for a free consultation. Together, we’ll find the best solution for your home and your budget.

Don’t wait until it’s too late—call Wright at Home Roofing & Exteriors today and ensure your home stays protected, rain or shine.

Disclaimer: Wright at Home Roofing & Exteriors does not act as insurance adjusters and cannot guarantee coverage or policy decisions. Please consult your insurance provider for specific policy details.

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