Was your home insurance cancelled due to roof issues after you bought a new policy? When you purchase a new policy with a Home Insurance carrier, they will send an insurance inspector to look at the outside of your home. If they see any problems, they will report it with photos to the Insurance company and send you a written notice within 60 days. Here are some common problems they come back with from underwriting. These are usually quick repairs and we can help keep your policy in force.
- Damaged or Missing Shingles
Why it matters: Missing, cracked, or curled shingles are clear signs of age, wind damage, or poor installation. They leave your home vulnerable to leaks and shorten the roof’s lifespan.
Inspector’s note: “Missing or cracked shingles observed; potential for leaks and reduced roof life.”
Insurance Company Concern: Immediate repair costs and the possibility of hidden leaks behind walls or ceilings.
- Active Leaks or Water Stains
Why it matters: Stains on ceilings, walls, or attic decking are a red flag for ongoing or past water intrusion.
Inspector’s note: “Moisture intrusion noted at flashing or roof penetrations.”
Insurance Company Concern: Mold, interior damage, and expensive repairs if leaks have gone unchecked.
- Improper or Worn Flashing
Why it matters: Flashing seals vulnerable areas around chimneys, vents, and skylights. If it’s damaged or installed incorrectly, it becomes a common source of leaks.
Inspector’s note: “Flashing deteriorated or improperly installed; may allow water intrusion.”
Insurance Company concern: Water damage that may not be visible until after closing.
- Poor Ventilation or Heat Damage
Why it matters: Without proper attic ventilation, excessive heat and moisture build up. This causes shingles to curl, decking to warp, and HVAC systems to work harder.
Insurance Company concern: A shorter roof life and higher energy bills.
Inspector’s note: “Attic ventilation inadequate; excessive heat and moisture buildup observed.”
- Sagging, Rot, or Structural Concerns
Why it matters: A sagging roofline or soft decking can signal rot, undersized framing, or long-term water damage. These are serious issues that affect both safety and home value.
Inspector’s note: “Roof deck deflection noted; may indicate structural compromise.”
Insurance Company concern: Major safety risks, costly repairs, or even a full roof replacement.
Insurance Companies will also look for any debris on your roof or overhanging tree limbs. Reign Roofing can help clean and remove these. If you have an old roof in the Houston, Texas area, we are able to repair or replace your roof quickly.
Reign Roofing
1905 Dowling Dr
Richmond, TX 77469
(281) 301-5477