Can my insurance company cancel my homeowners cause I have moss on my roof?
Can your insurance company opt to cancel your homeowner’s policy due to moss on your roof?
The short answer to this is yes they can and most likely will. When it comes to homeowners insurance, the roof is one of the first things your insurance company will look at. It is very possible that if they don’t cancel the policy outright that they will charge you significantly more in premium annually. This can also be a reason for a failed property inspection when buying/selling a home.
Your roof is the first line of defense in protecting the rest of your home. If the roof is compromised in any way then it is only a matter of time until a leaking roof turns into a wet ceiling. Once that happens, then water, mildew and mold start to accumulate. Water damage is a very costly expense to cover. That combined with replacing a roof can get into the tens of thousands of dollars. It is very important to reach out to a professional as soon as you notice any lichen, moss or algae on your roof.
Moss is easily overlooked as a threat as it is slow growing. Once moss starts growing on the roof, its root system will work up and under the shingles. It will eventually start to work its way behind the shingle and water will be transported via the moss’s root system to the inside of your home. The good news is that moss is an entirely preventable nuisance by simply getting your roof professionally washed. Roofs are very durable and shingles are made with resilient products. If properly cleaned, the average roof should be able to last at least 30 years. It is like any other appliance or vehicle, you have to maintain it to get the maximum amount of life possible out of it. That’s where we come in-call today for your free roof cleaning estimate!