Did Your Insurance Company Warn You About Your Roof? You’re Not Alone.
If your insurance company recently told you they won’t renew your homeowners insurance because of your roof, you’re probably shocked. After all, your roof might not be leaking, sagging, or even look that bad.
But here’s the truth:
In 2025, insurance companies across New Jersey have started aggressively reviewing roof ages to reduce their risk exposure. Even if your roof looks fine, if it’s beyond a certain age or material type, your insurer may flag it as a potential liability — and refuse to renew your policy.
At Dream Home Roofing, we’ve seen this trend firsthand. Homeowners from Bergen County to Atlantic County are getting letters out of the blue, giving them 30 to 60 days to fix or replace their roof—or lose coverage altogether.
Our mission? To make sure you never have to panic over one of those letters.
Why Insurance Companies Are Targeting Roofs in New Jersey
Insurance companies are facing skyrocketing roof claim payouts across the state. In recent years, New Jersey has experienced record storm activity, leading to billions in insurance claims for roof replacements and water damage.
According to state insurance reports, roof-related claims are among the top three highest-cost payouts in New Jersey homeowners policies. Insurers, eager to reduce future liability, now use satellite imagery and automated age verification systems to identify roofs that may be “past their prime.”
Here’s what they look for:
| Roof Type | Age When Insurers Typically Flag It | Reason |
|---|---|---|
| 3-Tab Asphalt Shingles | 10–15 years | Shorter lifespan, prone to wind damage |
| Architectural Shingles | 15–20 years | Often mistaken as “aged” even when still functional |
| Flat or Low-Slope Roofs | 10–12 years | Higher risk of pooling and leaks |
| Metal Roofs | 20–25 years | Rust or oxidation often triggers inspection reviews |
Even without visible damage, a roof beyond these timelines is seen as a future claim waiting to happen. And insurers don’t want to take that risk.
What Happens If You Ignore the Notice
If you ignore your insurance company’s non-renewal letter, here’s what can happen:
- Your policy will expire, leaving your home uninsured.
- If you have a mortgage, your lender will purchase “force-placed” insurance — often 3-4 times more expensive and offering less protection.
- If you’re mortgage-free, you’ll lose coverage completely, exposing you to total financial loss in the event of storm damage.
In short, doing nothing is the most expensive option.
The Smart Homeowner’s Move: Get an Insurance-Assuring Roof Assessment
Before assuming you need a new roof, you should get what we call an Insurance-Assuring Roof Assessment — a formal, photo-documented inspection report created specifically for insurance review.
At Dream Home Roofing, our certified inspection specialists produce reports that insurers recognize and respect. Here’s what’s included:
✅ High-resolution photos of every roofing surface
✅ Condition grading of shingles, flashing, and underlayment
✅ Remaining life expectancy estimate
✅ Insurance-compliant format with roof age verification
This isn’t a free “estimate.” It’s a professional roof audit — a document that can keep your policy active, extend your renewal window, or help you appeal a non-renewal decision.
3 Steps to Protect Your Insurance Coverage in New Jersey
Step 1: Confirm What Your Insurer Needs
Call your insurance provider and ask:
- Do they require a replacement or proof of good condition?
- Will they accept a third-party inspection report?
- Can they extend the renewal deadline if work is scheduled?
Getting clarity first can save you thousands.
Step 2: Schedule Your Dream Home Roofing Assessment
Our team performs insurance-grade roof inspections throughout New Jersey. The report you receive will be formatted and detailed in a way that your insurer understands — and often accepts as proof of insurability.
Step 3: Plan Your Next Move
If your roof truly needs repairs or replacement, we’ll provide a transparent, no-pressure quote and discuss financing and warranty options. Our goal is to help you make the most informed decision possible.
Why Being Proactive Saves You Money
Waiting until your insurance company flags your roof puts you on defense. A proactive inspection gives you documentation before they ever ask for it — meaning you control the narrative.
Having a roof report on file helps you:
- Avoid sudden non-renewal notices
- Prove your roof’s condition to insurers
- Increase your home’s value and resale readiness
- Plan financially for eventual replacement rather than reacting under pressure
It’s peace of mind for you — and reassurance for your insurance company.
Avoid the Stress: Get Your Roof Certified by Dream Home Roofing
At Dream Home Roofing, we’re not just roofers — we’re your home’s insurance ally.
Our Insurance-Assuring Roof Assessment provides you with the documentation your insurer needs to keep your policy intact.
Whether you’re in Middlesex County, Monmouth County, Bergen County, or South Jersey, our licensed professionals can:
- Inspect your roof within 48 hours
- Provide a formal insurance-grade report
- Give you photo evidence and life expectancy analysis
- Help you appeal or prevent a non-renewal notice
Don’t wait for a cancellation letter to land in your mailbox.
Schedule your Insurance-Assuring Roof Assessment today and protect your home, your insurance, and your peace of mind.
Key Takeaways for New Jersey Homeowners
✅ Insurance companies are tightening roof age policies statewide
✅ Roofs 10–20 years old are being flagged — even if not leaking
✅ Proactive roof documentation prevents insurance cancellation
✅ Dream Home Roofing offers New Jersey homeowners trusted, insurance-grade roof assessments
About Dream Home Roofing
Dream Home Roofing is New Jersey’s trusted roofing partner for inspections, repairs, and replacements. Our certified inspectors provide detailed, photo-backed roof assessments recognized by leading insurance carriers.
We help homeowners protect their investment, stay insured, and make smart, transparent roofing decisions — without the stress
