Insurance Providers Are Canceling Homeowner Coverage Unless They Have Proof of Roof Inspection, Repairs, or Replacement
Support Your Clients with Big Fish’s RoofGuard Program!
Homes with roofs over 10 years old are in the “target zone” for insurance companies in Western Pennsylvania. Homeowners are facing tougher insurance requirements from their providers.
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Imagine receiving a call from a worried client who just opened a letter from their insurance company, warning them about a potential policy cancellation due to roof issues.
It’s happening more and more—and as their trusted insurance agent, you’re the first person they turn to for guidance.
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Insurance agent RoofGuard Form
Download Our Roof Assurance Guide!
Get up to speed on every detail of these new insurance policies so that you can answer any questions that your clients may have!
Overview of Insurance Policy Changes
Aging Roof
Penalties
Insurers are reducing coverage for older roofs, resulting in lower payouts or ACV policies, or the complete cancellation of policies.
Severe
Weather Risks
The increase in severe weather events lead to overall higher deductibles and specific weather clauses for damage.
Maintenance
Requirements
Insurers are now assessing the type of roofing material and maintenance records to mitigate risks.
Failure to Comply Will
Result in Dropped Coverage
If the notices go ignored, the homeowner will face dropped coverage on their home.
Benefits of the Big Fish RoofGuard Program:
Professional Roof and
Gutter Inspection
Receive a thorough inspection covering all of the roofing components, identifying areas that need attention.
Minor Repairs
Included
We’ll make minor repairs, preventing small issues from becoming major problems.
Inspection Report for Insurance Compliance
Homeowner receives a detailed
inspection report to share with their insurance company.
Available
Financing Options
Take advantage of our multiple financing options if your roof needs replaced in order to maintain coverage.
The Step-By-Step Process To Keep Your Client's Home Insurance Coverage
Our Project Advisory team is standing-by to assist them through this process, and to ensure that they receive the proper documentation for their insurance provider.
Step 1
Initial Consultation with Big Fish (by phone or in-person)
Step 2
Then They Schedule a Roof and Gutter Inspection
Step 3
Receive a Comprehensive Inspection Report & Minor Repairs
Step 4
Then They Share the Report with Insurance Provider
Frequently Asked Questions From Homeowners
If only an inspection is required, what is included in the RoofGuard Program?
A complete inspection report including photos that will satisfy your insurance company, You can also opt for a complete maintenance program which will include gutter cleaning and small maintenance (i.e resealing nail heads, small flashing repairs, etc.) at the same time.
Will this inspection report improve my insurance policy?
Potentially - addressing your insurance company’s requirements by having an inspection, repair, or roof replacement will prevent your insurer from cancelling your policy. Often other insurers will not cover you once this happens. It can, however, possibly improve your policy standing. A well-maintained or newly replaced roof reduces your home’s risk profile, which may lead to better rates, continued coverage, or added policy benefits. Taking proactive action shows your commitment to maintaining your home, which insurers value.
What happens if the inspection reveals larger issues?
If the inspection reveals larger issues, addressing them promptly is crucial. Ignoring major problems could lead to denied claims, policy cancellation, or significant out-of-pocket costs down the line. We’ll work with you to resolve these issues efficiently, whether through repairs or a full replacement, ensuring your home remains protected and compliant with your insurance requirements.
Learn More About How a Roof Affects Insurance Policies
