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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]how old is your roof? [/quote]

It probably has 2-3 years before it needs to be replaced. But is it normal for insurance provider to just outright cancel without prior notice or opportunity to replace roof?[/quote] so, it’s old.  2-3 years is too close for comfort.  Time to replace. [/quote]

that’s absurd. our roof is well past the supposed replacement timeline and it is completely air tight. We had one leak 10 years ago and nothing since (weathering many big storms). if the insurability standard is “replace everything within arbitrary timelines that have nothing to do with the actual condition,” then I think the state Insurance Commissioner should know that.

Insurance is highly regulated. I find the idea that they can cancel coverage based on aerial surveillance you never consented to, to be highly suspect. [/quote]

Anecdotal data ^^ and just because everything was OK by your very specific scenario, you do realize overall, and generally speaking, insurance companies get spooked by old roofs or ones that are near the end.

There are also associations with new roofs- some material isn't nearly as combustible (wildfire embers, when it collapses, etc), new material is more hardy against storm and wind damage, and the list goes on. [/quote]

NP. Unexpectedly cancelling a homeowner’s insurance based on drone footage, with no option to rectify any damage, and with no visible damage, is not normal. And it’s weird that you’re trying to say that it’s normal.[/quote]

It may not be normal, but it happens. I posted above the same thing happened to me in DC with our back stoop. They said it was “crumbling” and didn’t give us an option to rectify. It was old, and the steps and handrails were intact. If anything, our front stoop was more “crumbly.” We had no idea what they were talking about. I called and they refused any solution. We must have had 14-30 days to find a new provider. [/quote]

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