631-588-5032
A Dirty Roof
Over time, many roofs develop black or brown discolorations and streaks, often caused by algae spores floating in the air that land on your shingles and set up camp. Another common explanation is mold or moss that grows when tree branches hang too close to the roof for water to evaporate freely, said Ron X. Gumucio, communications director for the Asphalt Roofing Manufacturers Association.
Those algae-induced dark streaks and discolorations threaten insurance rates because in the eyes of an insurance company, the condition of a roof can lead to a home insurance claim, said Brian P. Boak, a personal insurance specialist and broker in the greater New York City area. And claims cost the insurance companies money. A claim for a new roof can run $5,000 to $10,000 or more, depending on its size and type of shingles.
"A dirty roof can also dictate the quality of upkeep of the home, which also may lead to other claims," Boak said. "A good roof protects the rest of the home, and if an insurance company feels that the roof is in such a shape that it is not protecting the home they will want it fixed or will set the policy for cancellation."
Moss can be detrimental to asphalt shingles because it can cause their edges to lift or curl, increasing the chance that they'll blow off in the wind.
"The mold or moss can also get under shingles and raise them, allowing water to seep under the shingle and cause a leak," Boak said. And leaks often lead to claims for water damage to walls, ceilings, insulation in attics, property, etc.
Boak said insurance companies normally conduct a home inspection when they issue a new policy; others may conduct random inspections to ensure proper maintenance. And if they find a roof stained with algae or mold, an insurance company may send the homeowner a notice stating they need to correct the problem or risk cancellation of their home insurance policy.
