Is Your Insurance Company Forcing a Roof Replacement?
Here’s What to Know
Across Los Angeles County, more homeowners are receiving letters from their insurance companies demanding roof replacements as a condition to maintain coverage. If you’ve received a notice like this, or you’re concerned your roof may be flagged soon, you’re not alone.
At Roofing Angels, we work with homeowners every day who are being told to replace their roof or risk losing insurance protection. Here’s what you need to know about why this is happening and what you can do about it.
Why Insurance Companies Are Requiring Roof Replacements
Insurance providers are tightening their standards when it comes to residential roofing, even in Southern California. Here are the main reasons:
- Roof Age: Most insurers begin questioning roofs that are 15–20 years old, even if there are no visible leaks.
- Storm Risk: While LA isn’t known for hurricanes, high winds and heavy rains are increasing. Older roofs are more vulnerable.
- Material Type: Insurance companies often flag outdated roofing materials like 3-tab shingles or wood shake.
- Risk Reduction: Replacing an aging roof helps insurers limit costly future claims.
Signs Your Roof May Be at Risk of Losing Coverage
You don’t always need a formal notice to know trouble is coming. Here are warning signs:
- Curled or cracked shingles
- Granule loss or discoloration
- Soft spots or sagging
- Mold, algae, or excessive moss
- Roof age approaching 20 years
These symptoms often point to underlying wear that insurers view as high-risk. Even if your roof isn’t leaking, visible aging and material breakdown can lead your provider to issue a non-renewal notice or demand a replacement to continue coverage. In Southern California, the combination of sun exposure and seasonal storms accelerates roof degradation. Regular inspections can help catch these issues early and give you time to address them before insurance becomes a problem.
What to Do If You Receive a Letter from Your Insurance Company
If your insurer is requiring a new roof to continue your policy, time is critical. Here’s what to do:
- Schedule a Free Roof Inspection with a licensed contractor like Roofing Angels.
- Get Documentation: We provide a written report you can share with your insurer.
- Review Options: We’ll show you replacement options using trusted materials like GAF, Owens Corning, and CertainTeed.
- Secure Financing: If cost is a concern, we offer financing options to keep your coverage intact without delay.
How Roofing Angels Supports Homeowners in Insurance-Driven Roof Replacements
We understand the urgency and the pressure that comes with an insurance notice. That’s why we prioritize:
Fast scheduling for compliance projects
Clear, written documentation for your insurance carrier
Licensed, bonded work with a 10-year workmanship warranty
Financing plans to make your roof replacement affordable
We call this commitment the Angel Process — our step-by-step system that keeps your project efficient, clean, and on time.
Don’t Risk a Lapse in Coverage
Losing your homeowner’s insurance can create major legal and financial problems. If your roof is flagged or nearing replacement age, don’t wait.
Call Roofing Angels today at (747) 281-2933 to schedule your free roof inspection. We proudly serve Woodland Hills, Calabasas, Burbank, and the entire Los Angeles area.
