Can an insurance company make you replace your roof in order to renew your home insurance?

UPDATED: Sep 6, 2011

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UPDATED: Sep 6, 2011Fact Checked

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Asked September 6, 2011

1 Answer


Your insurance company cannot make you replace your roof or make any other structural changes. If your roof is in need of repair, however, the insurance company can refuse to renew the policy if repairs are not made. In this circumstance, the insurance company could decide that repairing problems with your roof fall under routine maintenance requirements and refuse coverage on the grounds of owner negligence.

A standard homeowners insurance policy usually includes a clause that the owner is responsible for routine maintenance, including roof repair, gutter repair or replacement and replacing broken windows or doors. The reason for this is that minor damage to parts of the home exterior can increase the risk of additional damage that the insurance company would have to pay. In the eyes of the insurance company, not repairing that roof could result in more severe problems or even devastating events such as interior water damage or a fire.

If you are given notice that your home insurance will not be renewed, talk to the issuing company and find out if making the repairs would satisfy their demands and allow continuation of coverage. On the other hand, you may request quotes from other insurance companies and secure a new policy that better fits your needs. The company which holds your mortgage may require you to have continuous home coverage, but they cannot require you to use any particular insurance provider.

Answered September 6, 2011 by Anonymous

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