How to get homeowners insurance with a bad roof?

How to get homeowners insurance with a bad roof?


Getting homeowners insurance with a bad roof can be challenging, but it’s not impossible. Homeowners insurance is crucial for protecting your property and belongings from unexpected events, including roof damage. In this article, we will explore some strategies and options for obtaining homeowners insurance with a bad roof.

Assess the Roof’s Condition

Before seeking homeowners insurance, it’s important to assess the condition of your roof. Determine the extent of the damage and whether it requires immediate repairs or a complete replacement. Insurance companies may have different criteria for insuring homes with bad roofs, so understanding the severity of the issue will help you navigate the process.

Roof Repairs or Replacement

In some cases, insurance companies may require you to repair or replace your roof before providing coverage. If the damage is minor, such as a few missing shingles or leaks, repairing the roof might be sufficient. However, if the roof is extensively damaged or nearing the end of its lifespan, a complete replacement may be necessary.

Document the Roof’s History

When applying for homeowners insurance, it’s essential to provide a detailed history of your roof’s maintenance and repairs. Keep records of any repairs, inspections, or maintenance work done on the roof. This documentation can help demonstrate that you have taken steps to address the issue and maintain the roof’s integrity.

Shop Around for Insurance Providers

Not all insurance companies have the same policies regarding homes with bad roofs. It’s crucial to shop around and compare quotes from different insurance providers. Some companies may be more willing to insure homes with roof issues, while others may have stricter requirements. Take the time to research and contact multiple insurers to find the best options for your situation.

Consider Specialized Insurance

If traditional insurance companies are unwilling to provide coverage for your home with a bad roof, you can explore specialized insurance options. Some insurers offer policies specifically designed for homes with high-risk features, including roofs in poor condition. While these specialized policies may come with higher premiums, they can provide the coverage you need when traditional options are limited.

Improve the Roof’s Condition

Taking steps to improve the condition of your roof can increase your chances of obtaining homeowners insurance. Consider investing in repairs or a replacement, even if it’s not a requirement from the insurance company. A well-maintained roof demonstrates your commitment to protecting your property and can make your home more insurable.


Getting homeowners insurance with a bad roof may require some extra effort, but it’s possible. Assess the condition of your roof, document its history, and consider repairs or replacement if necessary. Shop around for insurance providers, and explore specialized options if needed. By taking proactive steps to address the roof’s condition, you can increase your chances of obtaining the coverage you need.


– Insurance Information Institute:
– National Association of Insurance Commissioners: