My home insurance company canceled my policy because my roof needs replacement

Why you should trust Insure.com

Quality Verified

At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria.

Replacing a roof is expensive, but it may be cheaper in the long run. If you don’t fix it, you’ll be stuck paying home insurance premiums until you do. In lieu of that, contact your state’s department of insurance and ask if there’s a high-risk home insurance pool in your state.

Otherwise, you’ll have to go with the mortgage company’s insurance. Home insurers don’t like clients with maintenance problems, fire risks or safety issues. Those situations lead to claims, and insurance companies want to reduce risk as much as possible.

An insurance company considers maintenance your responsibility so it will not pay for roof damage if it was caused by lack of maintenance. But if you have a standard HO-3 home insurance policy, your insurer will likely pay for damages to furniture and other parts of your home as a result of the leak — if there are any. Water damage is one of the most common reasons people make homeowner insurance claims, and it can cost thousands of dollars.

Lack of maintenance leads to many insurance claims. Keep your home insurance rates down by keeping up with repairs, which minimize claims that can drive up rates.

For more detail about home insurance, read about water damage: seven home insurance scenarios and home insurance basics.