Rescinding homeowner’s insurance for not replacing a roof.

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Feb 1, 2013

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Apple Valley, MN

Asked on 02/01/2013

Rescinding homeowner’s insurance for not replacing a roof. I am a customer of American Family and have had their adjusters out for roof inspections three times in the past three years due to wind & hail storms. In each case I was told that there was insufficient damage to warrant replacing the roof. Now with the latest inspection, I was told that there wasn't sufficient damage for the company to replace it, but there is sufficient damage where I have to replace it. If the roof isn't replaced, my policy will be cancelled on the renewal date. Is this legal -- much less ethical?

Answer given on February 06, 2013

It is your responsibility to maintain your home properly to avoid damage or loss to the home. Your insurance company has apparently inspected the roof each year, most likely because they have been concerned about the condition of the roof. Even with storms coming through each year, it is possible that the problem is the age of your roof, and not damage caused by the storms.Insurance companies have the right to ask their clients to maintain the home and to repair or replace roofs, steps or other portions of the home to avoid future losses. They will give a reasonable amount of time to make such repairs before they non-renew the insurance, If your insurance is non-renewed you will have an extremely difficult time finding replacement insurance. Not only will you have been non-renewed, but you also have a roof that needs to be replaced, and most other companies will not be willing to write your insurance until the roof is replaced.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption