Why Insurance Companies Are Dropping Chicago Roofs?

Across Chicago, homeowners are receiving certified letters stating:

“Replace your roof in 60 days or your policy will be non-renewed.”

Even roofs that are not leaking are being flagged. Here’s why.

The “Drone Inspection” Issue

Insurance companies now use satellite images, Google Earth, and drones instead of physical inspections. They often mistake:

Modified bitumen repairs

Dark patches

Minor discoloration

— leading to cancellation notices.

The Reinsurance Crisis

Global insurance markets are forcing carriers to reduce risk. As a result, companies are:

Dropping older roofs (15–20+ years)

Avoiding homes with visible repairs

Tightening underwriting guidelines

Storm Chaser Backlash

Aggressive contractors filing questionable storm claims have caused insurers to scrutinize roofs more aggressively — and honest homeowners are feeling the impact.

Common Reasons for Non-Renewal

Roof age

Prior claims

Visible repairs

Weather risk exposure

Maintenance concerns

How to Fight Back

Get an inspection by a licensed roofer.

Request a written roof condition report.

Challenge inaccurate drone or satellite findings.

In many cases, a professional inspection and documentation can prevent unnecessary roof replacement.

Our Philosophy

We act like farmers, not hunters.

If a repair and a letter to your agent will solve the issue, we won’t sell you a full roof replacement.

For more details, watch our YouTube video explaining how Chicago homeowners can protect themselves from unfair insurance cancellations.

https://youtu.be/Znu2rFo6FDE?si=BHuDWEuyUWZw1ENz

Location: Chicago, IL