Are You at Risk of Losing Coverage?
If your roof is over 15 years old, you could be at risk of losing your homeowner’s insurance—whether or not it’s ever had a problem. In Mooresville, NC, many homeowners are facing unexpected policy non-renewals or premium increases simply because of their roof’s age.
This growing issue, often referred to as an “aging roof crisis,” is hitting Mooresville especially hard due to our region’s seasonal storms, high humidity, and the number of homes built during the early 2000s housing boom.
The good news? You still have time to act.
Why Old Roofs Are a Problem for Insurance
- Higher Risk of Damage: Roofs over 15–20 years old are more vulnerable to wind, hail, and water intrusion—even if no leaks are visible yet.
- Increased Claim Payouts: Older roofs have been linked to more expensive storm damage claims, prompting insurers to tighten restrictions.
- Policy Changes in North Carolina: Several insurance providers have begun issuing non-renewal notices for aging roofs or requiring replacement as a condition of continued coverage.
Signs Your Roof May Put Your Coverage at Risk
- Your roof is more than 15 years old
- Your insurance provider has requested an inspection
- You’ve received a letter about policy changes or potential non-renewal
- Your neighbors are replacing roofs in your neighborhood
What Homeowners Can Do Right Now
1. Schedule a Professional Roof Inspection
A detailed inspection can determine your roof’s current condition and whether it might be flagged by insurers. Catching issues early gives you leverage with both insurance and potential repairs.
2. Explore Affordable Financing Options
Replacing your roof doesn’t have to be out of reach. At Eastern Roof Technologies, we offer:
100% financing
No money down options
12–24 month low-interest or deferred-interest plans
3. Consider an Insurance-Friendly Roof Replacement
Installing a new roof with impact-resistant materials and modern code compliance can make you eligible for discounted premiums and long-term peace of mind.
What to Do If Insurance Won’t Cover Your Roof Replacement
Being denied by your insurance provider doesn’t mean you’re stuck with an aging roof. At Eastern Roof Technologies, we work with homeowners across Mooresville and surrounding communities who are in exactly this situation.
Explore Our Financing Options
100% Financing for qualified buyers
No down payment required
Low-interest and deferred interest plans
12-month, 18-month, and 24-month terms available
Even if you can’t qualify for a HELOC or prefer not to dip into savings, we can help you get the roof you need without the upfront cost.
You May Lower Your Insurance Premium
Installing a new roof may make you eligible for lower premiums with many providers. A modern, impact-resistant roof improves safety, which can reflect positively on your policy.
Long-Term Warranty Protection
We back our installations with a 10-year warranty so you can feel confident knowing your roof is protected—and possibly paid off—within the warranty period.
Frequently Asked Questions
Older roofs (typically 15–20+ years) are more likely to fail during storms, develop leaks, or lead to costly claims. Insurance companies view them as higher risk and may issue non-renewals or require replacement to maintain coverage.
Yes. Even without visible damage or prior claims, your insurer may still cancel or decline to renew your policy due to your roof’s age alone.
Schedule a professional roof inspection immediately. This will give you a clear picture of your roof’s condition and help you act quickly—whether it’s for repairs, replacement, or appealing the insurer’s decision.
Absolutely. Eastern Roof Technologies offers 100% financing with no down payment and flexible terms, including 12–24 month low- or deferred-interest plans.
Often, yes. A new, code-compliant roof with impact-resistant materials may qualify you for policy discounts and make you more attractive to insurers.
Aging roof? Eastern Roof Tech can Help!
If your home has an aging roof in Mooresville, don’t wait for your insurance company to force your hand. Being proactive could mean the difference between continued protection and losing coverage altogether. Whether you’re just exploring options or ready to take action, Eastern Roof Technologies is here to help.
Call now or use our FREE Instant Roof Quote tool to get an estimate today! To learn more about our roof financing options and professional roof inspections in Mooresville, NC, please give us a call or submit our contact form. We’re here to help you stay covered—and stay protected.
Need help fast? We serve homeowners across Mooresville, Cornelius, Davidson, and the greater Lake Norman area with expert roof assessments, easy financing, and high-quality replacements that meet insurance standards. Let us help you stay ahead of the aging roof crisis—before it affects your coverage.
