Why Insurance Companies Are Requiring Roof Replacements
Have you received a letter from your insurance company that says:
“Replace your roof, or we’ll cancel your policy.”
You’re not alone. Increasingly, Long Island homeowners are receiving this notice. Insurance companies are being extra careful. They want to lower their risk of claims from storms, water damage, and roof problems. That’s why they’re setting stricter rules—even if your roof isn’t leaking.
Why Your Roof Might Not Pass: Here are the top reasons insurance companies may reject your roof:
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- Old age – Roofs older than 15 to 20 years, especially with asphalt shingles, are often flagged.
- Visible damage – Curling, missing shingles, dark stains, or soft spots raise concerns.
- Failed inspections – Insurance inspectors may spot wear that’s hard to see from the ground.
- Bad materials or poor work – Older roofing materials or sloppy installations won’t meet current standards.
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What to Do if You Get a Roof Notice
If your insurance company says you need a new roof, don’t wait. Here’s what to do:
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- Act fast – You may only have 30–60 days to fix the problem.
- Schedule a free roof check – Thermo-Seal offers no-cost inspections to see if your roof passes.
- Get the facts – We provide photos, materials info, and full installation records for your insurance company.
- Use a licensed and insured roofer – This is key to ensuring your new roof is accepted.
- Ask about payment options – We offer financing to make the job affordable.
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Why Choose Thermo-Seal?
Thermo-Seal has served Suffolk and Nassau Counties for over 35 years. We know what insurance companies want—and how to help you keep your coverage.
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- Certified to install roofing that meets insurance requirements
- Fast service to meet tight deadlines
- Trusted by thousands of Long Island homeowners
- Lifetime warranties are available on materials and workmanship
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Don’t Risk Losing Coverage
If your insurance is about to drop you, we can help. Thermo-Seal will guide you from inspection to installation. We’ll ensure your roof is safe, strong, and meets insurance approval standards.
Call 631-849-0434 or request service online now.
Thermo-Seal
Local. Reliable. Insurance-Ready.
