A growing number of Arizona homeowners are facing a frustrating reality: their home insurance policies are being dropped—not because of storm damage or overdue payments, but simply because their roofs are considered “too old.”
This issue was recently spotlighted in The Cool Down, following a 12News interview with our CEO, Tim Orscheln. In both pieces, Tim discusses the rising trend of insurers dropping homeowners from coverage solely due to the age of their roofs—regardless of condition.
What’s Happening?
Insurance providers are tightening their underwriting guidelines due to rising costs, climate shifts, and more frequent extreme weather events. As a result, many have adopted policies that automatically flag roofs over a certain age (often 10–15 years old) as too risky—even when they remain structurally sound.
“It’s less about actual damage and more about perceived risk,” Tim said. “Unfortunately, homeowners are caught in the middle.”
The Impact on Homeowners
This trend has led to sudden cancellations, coverage denials, or required roof replacements—putting financial pressure on homeowners, especially those who have maintained their homes but haven’t been warned in advance.
Retirees, longtime residents, and those in regions with limited contractor access are particularly vulnerable.
What You Can Do
Here are a few proactive steps you can take:
- Know Your Roof’s Age and Condition
Maintain records of your roof installation, repairs, and routine inspections. - Schedule a Roof Inspection
A certified inspector can provide documentation that may help challenge or appeal a policy change. - Shop Around for Coverage
Not all insurers follow the same guidelines. Some offer more flexible options and better homeowner support. - Partner With Experts
Homelyfe helps homeowners find tailored insurance solutions—without the surprise policy drops.
Stay Informed and Protected
As insurers react to evolving risks, it’s more important than ever to understand your policy and your home’s insurability. For more insight into the current climate, read the full coverage from The Cool Down and watch Tim’s 12News interview for more context.
Don’t wait until your coverage is dropped.
Contact us now to learn how you can extend the life of your roof without a full replacement—and get expert guidance if you’ve received notice or are at risk. We’re here to help you stay covered and confident in your home.
