Why Did My Insurance Company Require I Clean My Roof and Siding? – Have you received a letter from your insurance carrier threatening to cancel your coverage? It’s not uncommon for policy holders to receive letters from their insurers warning that their coverage may be cancelled or they may be ineligible for renewal if they don’t clean their roof. They essentially want homeowners to get the dark streaks off the roof, which can contain tar from asphalt shingles as well as algae, mold, lichen, and moss.
In fact, they want the issues corrected before they will provide coverage. If you’re in a situation where you need a fast and effective solution to this problem, come to Clearview Washing, New Jersey’s trusted exterior maintenance company.
Your insurance company representative can actually choose clients at random and drive by their home for a quick visual inspection. They’ll examine the condition of the roof shingles and siding, on the lookout for stains caused by algae, mold and mildew. They’re concerned for a reason: a dirty roof can lead to a lower property value and curb appeal, decrease the lifespan of the roof and home, and increase the odds of further damage. Understandably, they don’t want to be held liable for a situation the homeowner could have prevented with regular maintenance and cleaning.
Many homeowners, however, panic when they receive the letters. They assume they have to replace the shingles or get a whole new roof. Not so. A good power washing will clean your roof up in no time. Why spend between $8,000 and $12,000 for a roof replacement when you can spend between $300 – $900 for a thorough roof cleaning? Your final cost will vary by roof material, square footage and roof pitch.
Don’t attempt this yourself. It’s a very dangerous job and requires heavy duty power washing equipment that can be tough to handle – compounding your risk if you’re up on a ladder. Not only could you fall and get hurt, you could do real damage to your shingles. If moisture were to get underneath the roofing material, you could experience leaks. Also, if you don’t use the right equipment and chemicals, you’re only getting the surface layer off without killing the algae. If not completely sterilized, it will just grow back.
How You Can Prevent Getting a Letter in the Mail
We can’t say for certain that you will ever get such a letter in the mail. However, there are certain things that can trigger a drive-by inspection:
- Asking about a new policy
- Coming up on your annual policy renewal
- Changing your coverage amounts
- Applying for a home equity line of credit
Guard against this unfortunate situation by keeping up with regular maintenance and cleaning of your roof and siding. Book your appointment today at 732-462-1187.