Is Your Homeowner’s Insurance Coverage In Jeopardy of Cancellation?
You may not be aware, but an increasing number of homeowners have been receiving notices from their insurance companies with the threat of cancellation due to damage (perceived or real) on roofs or siding. Despite maintaining your home and paying premiums faithfully, you may be subject to cancellation. What is causing these unexpected cancellations, and what can you do to reduce the chances of them occurring?
Why Is Your Insurance Company Using Drones and Satellites to View Your Home?
Insurance companies use a variety of factors to determine what rates they will charge including the area you live in – not just for crime rates, but also weather risk such as hurricanes, fire and tornadoes. Logically, the higher the risk, the higher your rates are.
Typically, they use statistical data to help determine rates. In recent years, unpredictable severe weather across the country has caused insurance companies to pay out for a lot of damage. In turn, the companies are now reviewing their risks in homeowners insurance and are cancelling those policies deemed too – well, risky. Using drones and satellite photos is a quick way for insurance companies to assess those risks.
What Are Insurance Companies Looking For With Drone Photos?
The drone photos are not only being used to capture aerial views of potential damage to roofs, but also other potential risks like tree branches that are hanging over the roof and other structures on your property, or even moss and algae growing on your siding. They can even use the photos to review undeclared risks (items you need to declare because they affect your policy, but you don’t), like trampolines and swimming pools. This helps them determine the level of risk associated with insuring a property.
Dark streaks on your roof can also trigger a letter from your insurer. This is actually algae growth that becomes more prevalent during our warm, humid months.
What Can You Do to Prevent Cancellation of Coverage?
Of course, the first line of defense is a good offense. Regular inspections and maintenance of your home’s roof and siding is the best first step to take to ensure your property is in good repair and that you don’t receive notification letters from your insurance company.
Incorporating regular cleaning of your roof and siding into your maintenance schedule is essential for the longevity and overall health of your home. Over time, bacteria found in algae can accumulate on your shingles, leading to their gradual breakdown and deterioration. This can compromise the structural integrity of your roof, resulting in costly repairs or even the need for a complete replacement. However, by scheduling regular roof cleaning, you can effectively reduce the amount of bacteria and algae present, thereby extending the lifespan of your shingles.
Additionally, keeping your siding clean not only enhances the curb appeal of your home but also prevents the growth of mold and mildew, which can cause further damage and negatively impact the aesthetic appearance of your property. Regular cleaning helps to maintain the pristine condition of your home, ensuring it remains a safe, welcoming, and valuable asset for years to come.
Contact Pink Pro Services
If you’ve already received a notice from your insurance company, you should definitely contact them immediately to learn what steps you need to take. But, if you’re concerned about stains or plant growth on your roof (or siding) and want to be proactive before you receive a notice, contact us today at 248-202-7636 or fill out our online form to receive a quote.
