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Why Your Roof Moss Could Void Your Homeowners Insurance

Homeowners Beware! Roof Moss Voids Homeowners Insurance!


Your roof’s condition plays a major factor for insurers to decide how much you’ll pay for your homeowner’s insurance policy. However, even after you insure your home, it is still subject to inspection by your insurance company – and yes, they can cancel your insurance or increase your premiums. Don’t wait to be notified by your insurance company to remove moss. 

A moss-ridden roof is a liability for insurance companies, and they are quick to charge you extra or cancel your homeowner’s insurance policy entirely, unless you have the moss removed. 

​Why can Insurance Companies Require me to Clean my Roof?

An increasingly common practice for insurance companies is to conduct visual inspections of any properties at random. As an insurer, it is well within their right to perform a quick inspection at any time.
It is likely that if your roof does not meet your insurer’s requisites, you will be notified by your insurance company with direct instructions to clean your roof or face insurance policy cancelation. 

What is The Insurance Company Looking For?

  • Moss growth
  • Black streaking
  • Algae, lichen, mold, and mildew stains
  • roof shingles, gutters, and facias conditions

Moss, algae, and lichen are among many things that can significantly decrease the roof’s lifespan leading to roof replacement. Importantly, insurance companies always want to avoid roof replacement because it is expensive.

Additionally, an unclean roof often leads to a lower property value. Insurance companies do not want to be held liable for regular roof and gutters maintenance and cleaning preventable issues. 


Why is Moss a Danger to your Roof?Your roof is the first line of protection for the rest of your house. Therefore, if your roof is at risk, it can’t protect your home.

Moss coverage is typical on roofs in damp and shaded areas away from sunlight and more rain. Moss grows root-like structures that absorb moisture which can lift cedar and asphalt shingles pulling them from the roof. This can lead to water leaks, mildew, and water damage.

Your shingles and other roofing material are also at risk of rot as moss retains moisture making it a perfect breeding ground for bacteria and mold growth – potentially causing your family harm.
It’s essential to monitor for moss growth, and you take steps to prevent and treat moss on your roof. 


Don’t Forget & Wait Until It’s Too Late

Don’t wait to remove moss until you receive a letter from your insurance company; it could be too late. For example, if you wait until the middle of winter, you would have waited too long. Snow and ice make it impossible to undertake moss cleaning.
So when is the best time to remove moss from your roof? The best time to remove moss from your roof is in summer. However, you should regularly inspect your roof for moss and dirt. If you notice any growth, contact a professional for an inspection. 

Professional Services

At CNY Roof Cleaners, we are a veteran-owned business with experienced professionals offering roof cleaning, house washing, gutter cleaning, and patio cleaning. We offer a two-year guarantee on roof cleaning. Our staff is trained, and with many crews in the Syracuse, NY area, we can provide fast scheduling and emergency services.