Impact of Aerial Assessment Technology on Homeowner Insurance and Aged-Out Roofs

Article covering the new technology insurance companies are using to identify residential homeowners who have aged-out roofs. To protect themselves, and homeowners, they’re denying insurance renewals unless homeowners replace their old and damaged roofs.

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In recent years, insurance companies have increasingly denied and cancelled homeowner insurance coverages due to aged-out roofs. This trend has significant implications for homeowners, especially with the advent of new aerial assessment technology. This blog post aims to explore why aged-out roofs are such a critical issue for insurance companies and how aerial assessment technology is transforming the landscape.

The Challenge of Aged-Out Asphalt Roofs

Roofs, like any other part of a home, have a finite lifespan. Over time, they deteriorate due to exposure to harsh weather conditions, wear and tear, and lack of maintenance. An aged-out roof poses several risks, including leaks, structural damage, and even the potential for collapse. For insurance companies, these risks translate into higher claims and increased financial liability.

As a result, many insurance providers are now scrutinizing the condition of roofs more closely before offering or renewing homeowner insurance policies. A roof deemed too old or in poor condition can lead to coverage denial or cancellation, leaving homeowners in a precarious situation.

If you’ve received a letter from your insurance company denying your insurance renewal, give us a call at (740) 444-4245. We’ll complete a complimentary 127-point inspection of your roof and document the current condition. If it’s determined the aerial report is correct, Roofiant will help you design a roof replacement solution that works for your budget, your home, and satisfies your insurance company. Please don’t ignore the notice, because this could lead to your home insurance being cancelled. If this happens, it places you in a precarious situation and getting new coverage becomes a very expensive proposition.

Do everything possible to protect your families most valuable investment, Roofiant provides monthly payment options for your roof replacement needs. We also have access to various local, state, and federal programs to assist low-income and elderly homeowners who may have challenges with monthly payments and getting financed for this type of project. Call us at (740) 444-4245, and let us see if we can help you.

The Role of Aerial Assessment Technology

Aerial assessment technology is emerging as a game-changer in the insurance industry. Utilizing drones and high-resolution imagery, this technology allows for detailed and accurate inspections of roofs without the need for physical access. This innovation offers several advantages:

For homeowners, this means that insurance companies can make more informed decisions about coverage based on reliable data. However, it also means that aged-out roofs are more likely to be identified and flagged for potential issues.

What This Means for Homeowners

With the adoption of aerial assessment technology, homeowners need to be more proactive in maintaining their roofs. Regular inspections and timely repairs can significantly extend the lifespan of a roof and improve the chances of securing homeowner insurance coverage. Here are some steps homeowners can take:

Additionally, homeowners should stay informed about their insurance policies and understand the criteria used by their providers. Open communication with insurance agents can help clarify any concerns and ensure that homeowners are aware of what is required to maintain coverage.


Aged-out roofs are becoming a focal point for insurance companies, and the introduction of aerial assessment technology is accelerating this trend. While this presents challenges for homeowners, it also offers opportunities for better roof maintenance and more accurate insurance assessments. By staying proactive and informed, homeowners can navigate this evolving landscape and secure the insurance coverage they need.

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