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.