More Georgia homeowners are getting insurance non-renewal notices or steep premium hikes this year, and it’s not because they filed a claim. It’s because their roof is considered too old on paper. A lot of carriers are now drawing a hard line around 15 to 20 years, whether or not that roof is actually failing.
I get calls about this constantly. Nothing looks wrong from the ground and the roof isn’t leaking, but the insurance company still wants proof it’s sound or wants it replaced before they’ll renew. It comes down to risk math on their spreadsheet, not how your roof actually looks or performs. We deal with insurance companies on exactly this kind of thing every week, so if you get one of these notices, you don’t have to figure it out alone.