My Insurance Company Sent Me a Drone Photo of My Roof—Now What?
Picture this: You check your mail (or email) and receive a message from your insurance company with a photo of your roof taken by a drone. They’re telling you your roof is in bad shape and that you’ll lose coverage if it’s not replaced.
But don’t panic just yet. Here’s what you should do if this happens—and here’s how to protect your home, wallet, and insurance policy.
Why Are They Using Drones?
Many insurance companies now use drones or satellite imagery to inspect roofs remotely. It’s fast, cheap for them, and allows for broad assessments without scheduling in-person visits. But these images can lack context—and sometimes, they get it wrong.
Step 1: Don’t Take the Drone Photo at Face Value
A drone photo might show:
- Discoloration (which might just be algae or moss)
- Curled or missing shingles
- Storm damage (real or misinterpreted)
- General wear and tear
But images alone don’t always show whether the roof is leaking or structurally unsound.
What to do:
Get a second opinion. Call a licensed local roofer to come out for a full inspection. Most will do this for a small fee, and they’ll document everything with photos and notes you can use.
Step 2: Request a Detailed Report from Your Insurance Company
Ask your insurance provider for a full report or explanation of why they believe your roof needs replacement. Drone images aren’t always enough; they should show evidence of:
- Functional damage
- Risk of future claims
- Specific roofing code violations
You’re entitled to understand how they’re making their decision.
Step 3: Respond with Your Own Documentation
If your roofer says your roof is in decent shape or repairable, submit that documentation back to your insurer. This might include:
- A roofer’s inspection report
- Photos from on-the-ground or close-up angles
- A note stating the roof’s remaining lifespan or that repairs can suffice
Sometimes, showing them a pro’s opinion can reverse their decision—or buy you time.
Step 4: Get Estimates if Replacement Is Truly Needed
If your roof really is at the end of its life, and the insurance company stands firm, it’s time to get multiple estimates. You may also want to ask your insurer:
- Will they cover any part of the replacement?
- Can repairs be accepted as a temporary fix?
- Do they offer an extension or grace period?
Also, investigate financing options—many roofing companies offer payment plans.
Bonus Tip: Check Your Policy Fine Print
Roof coverage often depends on the age of your roof. For example, if it’s 15-20+ years old, some policies only offer actual cash value (ACV), not full replacement cost. Make sure you understand what you’re entitled to.
Final Thoughts: Be Proactive, Not Panicked
Getting that drone image and coverage threat can feel harsh, but it doesn’t have to mean disaster. Take control of the situation by gathering your own evidence, talking to a roofing pro, and pushing back if needed.
Need help navigating this process or getting a second opinion on your roof? Reach out to a local roofing expert—you don’t have to go it alone.
