What to Do (and Not Do) If Your Insurance Company Asks You to Clean Your Roof

Receiving a letter from your insurance company requesting that you clean your roof can feel a bit alarming or confusing, but it’s important to approach the situation carefully and methodically. Here’s a guide on what you should and shouldn’t do.

What You Should Do:

1. Read the Letter Carefully
   Start by carefully reading the letter from your insurance company. Often, they will provide specific instructions or deadlines for completing the roof cleaning. Understanding the terms of their request is crucial to prevent any misunderstandings.
2. Check Your Policy
   Review your insurance policy to see if roof maintenance is a requirement for your coverage. Some policies may have clauses that mandate keeping the roof in good condition, while others may provide specific maintenance guidelines.
3. Inspect Your Roof
   If your roof needs cleaning, do a basic inspection (or hire a professional) to assess the current condition. Look for visible issues such as algae, moss, or debris buildup that could be affecting the roof’s performance. Document any problems you find, as this can help you if there’s a dispute.
4. Hire a Professional
   If you’re unsure about how to safely clean your roof, hire a licensed roofing contractor. Roof cleaning can be dangerous, especially if you lack the proper equipment or experience. A professional can clean your roof safely and properly, ensuring no damage is done.
5. Follow Up
   After the cleaning, inform your insurance company that the task has been completed. You may need to send them proof, such as a receipt or a report from the contractor who performed the work.

What You Shouldn’t Do:

1. Ignore the Request
   Ignoring a request from your insurance company can lead to complications. If they have asked you to clean your roof for a reason, failing to comply may result in a policy violation or even a denial of a claim in the future.
2. Clean It Yourself Without Experience
   Roof cleaning is a tricky task and attempting it without proper knowledge can lead to injury or damage to your roof. Avoid climbing up on the roof yourself unless you’re experienced and have the right equipment. It’s safer and more effective to hire a professional.
3. Delay the Cleaning
   Putting off roof cleaning can worsen any existing problems, potentially leading to higher repair costs later on. Additionally, delays could result in the insurance company taking further action, including non-renewal of your policy or claim denials.
4. Use Harsh Chemicals
   When cleaning your roof, avoid using harsh chemicals that could damage the materials. Always ask the contractor or the insurance company for approved cleaning methods and products.
5. Power Wash

You should avoid power washing your roof for several reasons. Power washers use high-pressure water to clean surfaces, which can easily damage roof shingles. The force can lift or dislodge shingles, leading to leaks and more extensive damage like mold growth. Many roofing manufacturers warn against using power washing, as it can lead to premature wear and tear. If you have a warranty on your roof, power washing may void it, leaving you responsible for costly repairs or replacements that would have otherwise been covered.

By following these do’s and don’ts, you can ensure that your roof cleaning is done correctly and that you remain in good standing with your insurance company. Stay on top of maintenance to protect your home and your coverage.