Is Your Insurance Company Threatening to Drop Your Coverage?

In Mentor, OH, harsh winters and humid summers are just part of life, and so is dealing with the wear and tear they inflict on your roof. But for many homeowners, the biggest surprise isn’t a leak, it’s the letter in the mailbox. More and more insurance companies are threatening to cancel home coverage because of aging or weathered roofs.

If your provider is questioning your roof’s condition or already hinting at policy cancellation, you’re not alone.

Not sure what shape your roof is in? Schedule a free inspection with our Raw Roofing Solutions team today and we’ll walk you through your options.

Key Takeaways

• Insurance companies are increasingly canceling policies for homes with roofs older than 10–15 years.
• Full roof replacements are costly, typically ranging from $15,000 to $20,000 or more.
• Roof rejuvenation offers a smart, cost-effective alternative, often priced at 75% less than a full replacement.
• A rejuvenated roof can extend its lifespan by five or more years, helping homeowners avoid cancellation and stay covered.
• This approach is often approved by insurance providers, especially when paired with a certified inspection.

Why Insurance Companies Are Dropping Roof Coverage

If your roof is more than a decade old, it’s not just time that’s stacked against it; it’s the insurance industry. Companies are cracking down on aging roofs due to increased claims from wind, hail, and water damage, particularly in areas like Mentor that see freeze-thaw cycles and seasonal storms.

Here’s why it matters:

• Insurers are flagging “high-risk” roofs.
• If they detect shingle curling, granule loss, or moss growth, they may issue a cancellation or non-renewal notice.
• Some policies now exclude roof coverage entirely if the roof is over 15 years old.

In Northeast Ohio, where winter snow, spring storms, and lake-effect weather can speed up roof aging, this trend has left many homeowners scrambling. A sudden cancellation can delay home sales, void mortgage requirements, or leave your property unprotected.

And unfortunately, if you wait too long, a minor issue could snowball into an expensive roof replacement, or worse, complete policy termination.

What You Need Before Acting

If you’ve received a letter from your insurance company, or even if you suspect your roof is on their radar, now is the time to act.

Before making a move, gather the following:

• The exact language from your insurer’s notice (are they requiring replacement or proof of condition?)
• Your roof’s installation date (if known)
• Any past inspection reports or documentation
• A qualified roof inspection to assess your roof’s current state

There are typically two paths from here:

• Replace the roof, which is the most expensive option.
• Rejuvenate the roof, a more affordable, insurance-compliant alternative that can extend its life by 5+ years.
• Let’s dig into how rejuvenation works and why it may be your best bet.

What Is Roof Rejuvenation, and How Can It Help?

Roof rejuvenation is a treatment process that restores aging roofs.

Benefits of Roof Rejuvenation:

• Extends roof life by 5–10 years
• Improves granule adhesion, reducing erosion and future damage
• Restores shingle flexibility, helping withstand storms and temperature swings
• Costs up to 75% less than a full replacement
• Often satisfies insurance companies, especially when paired with inspection documentation

If your roof is structurally sound but cosmetically worn, rejuvenation can be the difference between a canceled policy and a renewed one.

Deep Dive: Roof Age, Policy Risk & Repair Value

In Mentor, OH, roofs face accelerated wear. Here’s how that impacts insurance:

• Granule loss from years of hail, snow, and UV exposure reduces shingle protection.
• Moss or algae growth (common in shaded areas) can flag your home as a risk.
• Curling or brittle shingles lose their flexibility and are prone to wind damage.

Insurance companies now use third-party aerial inspections, which can spot these issues even if you haven’t noticed them yourself.

In Ohio, replacement costs for asphalt shingle roofs average between $15,000 and $24,000, but rejuvenation treatments cost closer to $2,500–$5,000, depending on your roof size.

Most importantly, rejuvenation often includes:

• A full roof inspection
• Before-and-after documentation
• A limited product and labor warranty
• A certificate or report you can send to your insurance provider

This documentation can satisfy insurance requirements and keep your policy active, without draining your savings.

Quick Reference: Should You Rejuvenate or Replace?

Mentor Roofing FAQs

Does Roof Rejuvenation Really Work?

Yes. Rejuvenation treatments restore flexibility to shingles, improve granule adhesion, and can add 5+ years to your roof’s life. It’s a proven, insurance-friendly alternative to replacement.

Will My Insurance Company Accept Rejuvenation Instead Of Replacement?

In most cases, yes. If the roof passes inspection and the treatment improves its condition, insurance providers often accept rejuvenation, especially with documentation from a licensed roofing contractor.

Can Roof Rejuvenation Help Me Sell My Home?

Absolutely. Rejuvenation improves appearance and extends lifespan, making your home more attractive to buyers. Plus, many companies provide transferable warranties.

What If My Roof Is Too Far Gone For Rejuvenation?

If your roof has structural issues, widespread leaks, or extensive missing shingles, a full replacement may be necessary. We offer free inspections to determine your best option.

Protect Your Roof, Protect Your Policy

If your insurance provider is threatening to cancel your coverage, don’t panic, but don’t ignore it either. Aging roofs are becoming a major liability in the eyes of insurers, especially here in Mentor, OH. Fortunately, you don’t have to spend $20,000 to save your policy.

With roof rejuvenation, you can restore your shingles, satisfy your insurer, and extend the life of your roof, all for a fraction of the cost of replacement. And it all starts with a simple inspection.

Schedule your free roof inspection today and let our experts help you preserve your policy, your peace of mind, and your home’s long-term protection.