Homeowners Insurance Cancelled Because of Roof Issues? Here’s What Conway & Central Arkansas Homeowners Should Know
By Collins & Son Roofing | Conway, AR | #RoofingDoneRight
A cancelled homeowners insurance policy can be stressful—especially when your roof is the reason. Many homeowners across Central Arkansas are surprised to learn that their roof’s age or condition can directly impact their insurance coverage.
In this guide, the experts at Collins & Son Roofing explain why home insurance companies cancel policies over roof issues, what to do if it happens to you, and how to prevent it from happening again.
Why Insurance Companies Drop Coverage Because of Roof Condition
Your roof is your home’s first line of defense. Insurance companies know that a failing roof leads to leaks, interior water damage, and expensive claims. When a roof shows signs of age, damage, or neglect, it becomes a liability — and insurers often respond by non-renewing or cancelling coverage.
Roofs older than 15 to 20 years are most at risk of cancellation, even if they appear fine from the ground. Over time, shingles lose flexibility, sealant wears down, and flashing can loosen. Without proper maintenance, those small problems turn into big risks.
At Collins & Son Roofing, we see this frequently: a homeowner’s policy is dropped simply because the roof’s condition hasn’t been professionally documented or maintained.
Common Reasons Homeowners Insurance Gets Cancelled Because of the Roof
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Roof Age
Insurers often flag roofs over 15 years old as “high risk.” Once your roof hits 20 years, many companies will no longer write or renew coverage without proof of replacement. -
Visible Damage or Wear
Curling shingles, cracked flashing, missing tabs, or soft decking all indicate deterioration that raises insurer concern. -
Dirty Roofs
Moss, algae, and debris buildup can trap moisture, leading to early deterioration. Even if purely cosmetic, insurers see a dirty roof as poor maintenance. -
Improper Installation or Materials
Cheap or low-grade shingles, inadequate ventilation, or substandard flashing work can all disqualify your home from coverage until repaired.
By understanding these warning signs, you can take proactive steps to protect your roof — and your insurance.
What to Do If Your Homeowners Insurance Is Cancelled Because of Roof Issues
If you’ve already received a cancellation or non-renewal notice, don’t panic. Follow these steps to resolve the situation and get your coverage reinstated.
1️⃣ Confirm the Reason for Cancellation
Call your insurance company directly to clarify why your policy was cancelled. Knowing the exact issue—age, condition, or documentation—helps you find the right solution.
2️⃣ Schedule a Professional Roof Inspection
Contact a licensed local roofer such as Collins & Son Roofing in Conway, AR. Our detailed inspection reports identify issues, document current roof health, and give you actionable repair recommendations to satisfy insurance requirements.
3️⃣ Make Necessary Repairs or Replacements
If your roof has significant damage or is beyond its service life, a full replacement may be required. Collins & Son Roofing offers durable, insurance-friendly materials from trusted brands like Malarkey and CertainTeed—designed to last longer and meet insurer expectations.
4️⃣ Keep Detailed Documentation
Save inspection reports, invoices, and before-and-after photos. Organized documentation proves to insurers that you addressed the issue responsibly.
5️⃣ Shop for New or Restored Coverage
Once your roof is repaired or replaced, start comparing quotes. Some carriers specialize in homes with new roofs or recent improvements, offering lower premiums for upgraded protection.
6️⃣ Focus on Preventative Maintenance
Annual roof inspections and seasonal cleanings go a long way. Regular maintenance helps detect early issues, keeps your home in compliance, and prevents future insurance complications.
Preventing Home Insurance Cancellation Because of a Dirty Roof
It’s easy to overlook, but a dirty roof can lead to serious consequences. Algae, moss, and leaves retain moisture and degrade shingles over time. Insurers interpret this neglect as elevated risk.
Tips to Keep Your Roof Clean and Insurable
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Clean Regularly: Gently wash or professionally treat your roof to remove organic buildup.
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Trim Trees: Cut back overhanging branches to prevent debris and shade that promote moss growth.
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Install Gutter Guards: Reduce clogs and minimize roof-edge moisture.
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Schedule Annual Roof Inspections: Professionals can identify dirt, mold, or algae before it becomes a major issue.
Keeping your roof clean isn’t just about looks—it’s about preserving the longevity of your roofing system and maintaining your insurance eligibility.
How Insurance Companies Evaluate Roofs
Understanding how insurers assess roofs can help you prepare and prevent future surprises.
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Roof Age: Most insurers raise premiums or re-evaluate coverage once a roof passes 15 years.
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Condition Reports: Missing shingles, exposed nails, or sagging areas signal neglect.
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Claim History: Frequent storm-damage claims can increase your risk rating.
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Material Type: Impact-resistant or Class 4 shingles can qualify you for discounts.
At Collins & Son Roofing, we often help homeowners navigate these requirements by providing inspection certifications and high-quality roofing replacements that satisfy insurers’ standards.
Frequently Asked Questions
Q: How often should I inspect my roof?
A: At least once a year and after major storms. Routine inspections catch small problems early.
Q: Can I get insurance for an older roof?
A: Yes, but you may need to show proof of maintenance or accept actual-cash-value (ACV) coverage instead of replacement-cost value (RCV).
Q: Can my insurer cancel my policy because of roof age alone?
A: Yes—many carriers automatically non-renew policies for roofs older than 20 years, regardless of condition.
Q: How can I avoid future cancellations?
A: Maintain, document, and update. Keep inspection records and use a trusted roofer to stay ahead of problems.
The Importance of Regular Roof Maintenance
Preventative maintenance is the easiest way to protect both your home and your insurance policy. Set reminders to:
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Inspect the roof each spring and fall.
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Remove debris and check gutters.
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Seal exposed nails or flashing gaps.
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Schedule a professional inspection every 12 months.
A little proactive care today can prevent major headaches—and cancellations—tomorrow.
Local Expertise You Can Trust in Conway & Central Arkansas
For over 30 years, Collins & Son Roofing has helped homeowners across Conway, Maumelle, Cabot, Greenbrier, and the surrounding Central Arkansas communities maintain safe, insurable roofs.
We’re a third-generation, family-owned company built on honesty, craftsmanship, and community values. From detailed roof inspections to full replacements, our team ensures every project meets both manufacturer standards and insurance requirements.
Why Choose Collins & Son Roofing?
✅Third Generation Roofing Company Owner
✅ Over 70 Years of Combined Experience
✅ Quality Materials & Expert Workmanship
✅ Trusted Roofing Company in Conway, AR
A well-installed roof ensures long-term protection, energy efficiency, and home value. Whether you need roof repairs or a full roof replacement, trust Collins & Son Roofing—your local experts in metal roofing and asphalt shingles in Conway, AR.
📞 Call us today at 501-327-5511
💻 Visit collinsandsonroofing.com
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