Why Insurance Cares About Your Roof (Yes, Even the Moss!)

Hi there! Dave Evans here from Hopmeier Evans Gage Insurance.

Ever wonder why your insurance company seems so obsessed with your roof?
Like… Why do they care how old it is?
Why do they care if it has a little moss or a few tree branches shading it?
Why can’t they just leave me alone?! Video click here

I get it. It feels like they’re nitpicking. But here’s the thing:

🏡 Your Roof = Your First Line of Defense

Insurance companies cover your home or investment property from things like:

  • Wind and hail
  • Fire and smoke damage
  • Falling trees
  • Water leaks

And guess what? Most of those disasters start or end at your roof.

When a roof gets old, shingles become brittle. That means:

  • The wind is more likely to lift and rip them off
  • Rain can sneak in through cracks or curling edges
  • Moss and algae speed up roof aging (yes, that fuzzy green stuff is not harmless)

🌿 What’s Moss Got to Do with It?

Moss may give your home a woodsy, cabin-in-the-forest look…
But it actually traps moisture, leading to rot and leaks.
That leads to—you guessed it—expensive insurance claims.

And let’s talk numbers:
📈 Shingle replacement costs have jumped over 30% since 2022
🧰 Roofing labor costs are up nearly 20% in the same time
💸 We’re seeing roof claims total $20,000 to $36,000 or more these days.

So yes, your insurance company cares. Because they know a bad roof today is a massive claim tomorrow.

👀 “Are They Spying on My House?”

Sort of—but not in a creepy way.

Insurance companies actually pay for satellite imagery of your home.
That means:

  • They can see your roof from above
  • They compare images from previous years
  • Their AI spots moss, dark streaks, missing shingles, and overhanging trees

If they notice signs of damage or deterioration, they’ll send you a letter:

“Clean your roof,”
“Trim your trees,”
“Replace damaged shingles.”

And while that might annoy you, it’s their way of avoiding a future headache (for both of you).


🤔 What If They Drop Me or Raise My Rates?

That’s where we come in.

At Hopmeier Evans Gage, we work with lots of different insurance companies.
Each one views roof conditions a little differently.
Some may give you more time.
Some may allow a higher deductible.
Some may not mind a bit of moss at all.

If you’re in a tight spot, don’t panic.
📞 Call us, 518-377-7414
📧 Email us, Info@yourownagent.com
📱 Or shoot us a quick text. 518-377-7414

We’ll walk you through your options:

  • Find you a better fit insurance company
  • Help you understand roof requirements
  • And maybe save you from a full roof replacement

🛑 Bottom Line:

We all want claims to be avoided, right?
Less damage = lower premiums = fewer headaches.

So yes, roof maintenance matters.
Yes, insurance companies are watching.
And yes, we can help you navigate it all.

🔁 Remember:
The wrong coverage is never a bargain. – Dave Evans,
Hopmeier Evans Gage Insurance

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