Insurance Providers Are Canceling Homeowner Coverage Unless You Have Proof of Roof Inspection, Repairs, or Replacement
Secure Your Policy with Big Fish’s RoofGuard Program!
You will likely be receiving a notice from your insurance provider very soon about this new requirement. It is critical that you do not overlook this notice, and that you take prompt action to ensure your roof is up to their new requirements in order to keep your insurance coverage policy. Don't worry! The Big Fish team is here to help you through this, and to assist in obtaining the proof you need.
Let's Keep Your Insurance Coverage Intact and Your Home Protected!
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.
Homeowners will receive a notice from your insurance provider stating:
1) You have 60 days to have your roof assessed.
2) You have 60 days to have your roof repaired.
3) You have 60 days to have your roof entirely replaced.
Stay compliant and covered with RoofGuard from Big Fish!
Get Started By Contacting Our Project Advisory Team
RoofGuard Program Form
Download Our Roof Assurance Guide!
Get up to speed on every detail of these new insurance policies so that you aren't caught off guard by your insurance provider!
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 you ignore these notices from your insurance provider, you will face dropped coverage on your 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.
Inspection Report for Insurance Compliance
Receive a detailed inspection report to share with your 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 Home's Insurance Coverage
Our Project Advisory team is standing-by to assist you through this process, and to ensure that you receive the proper documentation for your insurance provider.
Step 1
Initial Consultation with Big Fish (by phone or in-person)
Step 2
Schedule Your Roof and Gutter Inspection
Step 3
Receive a Comprehensive Inspection Report & Minor Repairs
Step 4
Share Your Report with Insurance Provider
Frequently Asked Questions
Why did I get a letter from my insurance company demanding an inspection, a repair or a roof replacement on my home? It's not even leaking.
With losses mounting the past few years in PA, insurance companies are acting to mitigate their homeowner policy risk. Your insurance company can demand an inspection, repair, or a complete roof replacement at your cost because they’ve identified risks that could lead to costly claims for them. Even if your roof isn’t leaking, issues like aging materials, stains on your roof, hidden damage, or normal wear can compromise its ability to protect your home. Ignoring these demands puts your coverage at risk—act now to ensure your home stays protected and your policy remains valid.
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 Your Roof Affects Your Insurance Policy
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