Your Roof Is Too Old?
We specialize in connecting consumers with agents with access to roof exclusion policies and alternatives that keep you covered.
Our Roof Exclusion Solutions
Tailored options to keep your home protected despite an aging roof. An older roof is not the same thing as a "bad" roof.
Roof Exclusion
Policies designed specifically for homes with older roofs facing coverage challenges.
Alternative Carriers
Access to insurers who specialize in accepting homes with outdated roofs. No FAIR Plan necessary.
Roof Exclusion FAQs
What is roof exclusion?
A roof exclusion is a policy limitation that means your homeowners insurance may not cover damage to your roof, or may only cover certain types of roof damage. Some insurance companies use roof exclusions when a roof is older, worn, previously damaged, or considered too risky to insure under normal policy terms.
Can I get coverage after a non-renewal because of my roof?
Yes, many homeowners can still get coverage after a non-renewal, but the best option depends on why the policy was not renewed. If the issue involves roof age, roof condition, prior claims, or property risk, you may need help finding a carrier that accepts higher-risk homes or offers coverage with different roof terms.
How fast is coverage?
Coverage can often be placed the same day or within a 24-hour turnaround, depending on the home, roof condition, location, and carrier requirements. Some cases may take longer if the insurance company needs photos, inspection details, loss history, or additional underwriting review.
Having a Roof Exclusion on the front end can take a lot of the stress out of this. You may need an inspection if the insurance company wants to verify the roof’s age, condition, materials, or existing damage before offering coverage. In some cases, photos, roof documentation, or recent repair records may be enough, but older or higher-risk roofs often require additional underwriting review.
Do I need an inspection?
Are rates higher? Am I considered "high-risk?"
Rates may be higher if your home has an older roof, prior roof claims, visible wear, or a recent non-renewal because insurers may view the property as higher-risk. Being considered high-risk does not mean you are uninsurable, but it may mean you need a carrier or agent familiar with roof exclusions, ACV roof coverage, or specialty homeowners insurance options.
Contact Us and Find an Agent
Have questions? We're here to help you.
RoofExclusion.com
We're here to help with your roof exclusion home insurance needs.
Don't fix it if it isn't broken!
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1-888-795-6550
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