Got a Policy Non-Renewal Letter from your home's insurer?
If you’re a homeowner in Mooresville, NC, you may have recently received an unexpected letter from your insurance company: a notice of non-renewal due to the age or condition of your roof. You’re not alone. Across North Carolina and much of the country, insurance providers are increasingly refusing to renew policies on homes with older or worn-out roofs.
Why is this happening? Insurers see aging roofs as high-risk liabilities, especially in regions like Mooresville that experience heavy storms, wind, and seasonal weather extremes. But even if your roof looks fine from the street, its age alone could be enough for your provider to pull coverage.
In this article, we’ll explain why roof non-renewals are on the rise, how they affect your policy, and—most importantly—what you can do to protect your home, finances, and peace of mind.
Why Are Roof Non-Renewals Increasing?
1. Aging Roofs Pose Greater Risk
Roofs older than 15–20 years are more prone to leaks, structural issues, and storm damage. Even if they’ve never had a major failure, insurers may still see them as overdue for replacement.
2. Insurance Companies Are Tightening Risk Profiles
Due to rising claim costs, many insurers are updating their guidelines to reduce risk. That means stricter enforcement on roof inspections, exclusions, and age limits.
3. Storm Damage Claims Are on the Rise
Mooresville and the Lake Norman region have seen an uptick in storm-related claims, prompting insurers to be proactive about removing high-risk properties from their books.
What Happens If Your Policy Isn’t Renewed?
You may have trouble finding new coverage with another provider unless you replace your roof.
Your mortgage lender may require you to maintain coverage, forcing you to pay for costly force-placed insurance.
You’ll likely face higher premiums—even if you do find a new policy.
This can all happen even if your roof hasn’t had a single documented issue—age alone is often the deciding factor.
How Mooresville Homeowners Can Prepare
1. Know Your Roof’s Age and Condition
If your roof is over 15 years old, it’s time to start planning. Schedule a professional inspection to assess condition, lifespan, and risk factors.
2. Take Preventive Action Now
Don’t wait for a cancellation letter to act. If your roof is aging, proactively exploring replacement options can keep your insurance coverage intact—and possibly lower your premium.
3. Explore Financing for a New Roof
At Eastern Roof Technologies, we offer:
100% roof financing
No down payment options
12–24 month low-interest and deferred interest plans
Even if you’ve been denied a HELOC or don’t have savings set aside, we can help make your roof replacement affordable.
4. Replace Your Roof with Modern, Insurable Materials
Installing a new roof built to today’s standards—including impact-resistant and energy-efficient materials—can help you maintain insurance coverage and qualify for discounts.
Frequently Asked Questions
A: Insurance providers often refuse to renew policies for homes with roofs over 15–20 years old, even if they appear to be in decent condition. Older roofs are seen as high risk for claims.
Yes, but many providers will require you to replace your roof before issuing a new policy. Some may offer limited coverage or higher premiums until the replacement is complete.
In many cases, yes. A new roof—especially one made from impact-resistant or fire-resistant materials—can make you eligible for lower premiums or policy discounts.
Eastern Roof Technologies offers financing options including 100% financing, low monthly payments, and no-money-down plans. We’ll help you find a solution that fits your budget.
Schedule a professional roof inspection right away. Knowing the true condition of your roof will help you plan repairs, replacement, or financing options before your policy ends.
Conclusion
If you’ve been denied coverage or received a roof replacement insurance denial, don’t panic. Acting quickly is the best way to protect your home and avoid more costly damage. Whether you need help understanding your policy, exploring financing, or scheduling a professional inspection, Eastern Roof Technologies is ready to assist.
Call now or use our FREE Instant Roof Quote tool to get a same-day estimate! To learn more about our roof financing options and get in touch with our Mooresville roofing team, please reach out today. We’re here to help you move forward—even when insurance won’t.
