With the ongoing insurance crisis in California, many property owners are facing unexpected policy cancellations due to lack of roof maintenance and updates. While it’s common knowledge that asphalt shingle roofs require regular attention, many homeowners with concrete tile or clay tile roofs assume they don’t need to worry about roof upkeep. Unfortunately, this is a major misconception—and one that could cost you not only in expensive repairs but also in insurance coverage issues.
Why Tile Roofs Still Need Maintenance
Tile roofs are often considered more durable and long-lasting than other roofing materials, but that does not mean they are maintenance-free. Over time, tiles can:
✅ Crack or break, allowing water to penetrate underneath.
✅ Shift or slide, exposing the underlayment to moisture and weather damage.
✅ Develop leaks, which can lead to costly interior damage such as drywall issues, mold growth, and structural concerns.
Since water damage claims are among the most common and costliest claims for insurance carriers, many companies are now requiring proof of roof maintenance—or they may cancel your policy altogether.
How Roof Maintenance Affects Your Insurance Coverage
Insurance carriers in California are becoming increasingly strict about roof conditions. If your roof is deemed aged, damaged, or not well-maintained, you may face:
❌ Policy cancellation or non-renewal due to inadequate maintenance.
❌ Less Coverage a worn roof may only qualify for Actual Cash Value coverage rather than replacement cost coverage.
❌ Denied claims if the damage is deemed a result of neglect or improper repairs.
To prevent these issues, regular roof inspections and necessary repairs are key. Many insurance companies will request documentation that your roof is in good condition before they agree to renew your policy.
How to Prevent Insurance Issues & Protect Your Home
✔ Schedule periodic roof inspections. A licensed roofing contractor can identify minor issues before they turn into major problems.
✔ Make timely repairs. Fix cracked or missing tiles and ensure your roof’s underlayment is intact.
✔ Obtain a roof inspection report. Providing your insurance carrier with a report from a licensed contractor can help you avoid cancellation.
✔ Use a licensed roofing contractor. If repairs are needed, always hire a licensed professional to ensure the work is done correctly—using an unlicensed contractor may void your insurance coverage.
Roof RX: A Trusted Solution for Roof Inspections & Repairs
One company we recommend for thorough and professional inspections is Roof RX. They utilize drone technology to perform comprehensive roof inspections, providing you with a detailed report that outlines any necessary repairs. Not only does this help you stay ahead of potential roof issues, but it also gives you the documentation needed to keep your insurance intact. Plus, they offer a repair warranty, giving you peace of mind that the work is done right.
Final Thoughts
Even if you have a tile roof, it’s essential to stay proactive about maintenance. Regular inspections and timely repairs not only protect your home from costly damage but also help ensure your insurance coverage remains in place. Don’t wait until your policy is non-renewed—schedule a roof inspection today and take control of your property’s protection.
Need a recommendation for a licensed roofing contractor? Contact Roof RX or another trusted professional in your area to keep your roof in top shape!
