Home Insurance Companies Limiting Coverage on Older Roofs

What You Need to Know

As a California homeowner, it’s essential to understand the limitations of your home insurance policy, especially when it comes to older roofs. Many insurance companies are now limiting coverage or requiring additional inspections for homes with roofs nearing the end of their lifespan, especially those located near tree lines.

Why are insurance companies taking this stance?

Older roofs are more prone to damage and leaks, leading to costly repairs and claims. Trees nearby can also increase the risk of damage from branches and debris. Insurance companies aim to mitigate these risks by limiting coverage and encouraging homeowners to take proactive steps to maintain or replace their roofs.

What does this mean for homeowners?

If you own a home with an older roof, especially one near a tree line, it’s crucial to review your insurance policy and understand the limitations of your coverage. You may need to:

· Schedule an inspection with your insurance agent to assess the condition of your roof

· Consider replacing your roof to ensure adequate coverage

Don’t wait until it’s too late!

Contact your insurance agent today to review your policy and discuss your options. We can help you navigate the process and ensure you have the right coverage to protect your home and your investment.

Call our office for a free review. Please contact us or give us a call to learn more. You can also request a quote if you’re ready to start on a policy. Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA. We also serve other areas in the state.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.