Florida Roof Coating Solutions: Extend Roof Life and Secure Your Insurance
Your roof is your home’s first line of defense, protecting against rain, wind, and sun. Over time, even the best roofs wear down, and proper maintenance becomes crucial. One way to prolong your roof’s life is through a protective coating, which can shield it from the elements and reduce future damage. However, there’s misinformation from insurance agents that abounds regarding roof coatings: if you seal or paint your roof, you’ll lose your insurance!
“Your mortgage could be at risk if you coat your roof.”
Disinformation, applying a roof coating on an older roof assumes that you think you have reroofed and are trying to cover up the roofs condition, (the assertion is absolutely ridiculous).
Insurance companies may have specific guidelines, if your roof has reached its useful life period, say for example 30 years a roof replacement is required ( already presumed before the homeowner has even had a chance to acquire a real roof report by a licensed inspector (not and insurance companies employee or agent stomping around on your roof), and the insurance companies have previously, deceptively in Dec 2022 that “a coating or sealant is used in lieu of roof replacement, the risk remains ineligible for coverage”, Fortunately the governor had received numerous letters and calls from the licensed Contractors, Licensed Inspectors and Engineers and their lawyers who said, ” wait one second here” Consequently the governor issued a bulletin March 2023 ( that Google also pushed down the Results thereto) that restates the legal writes of the homeowner to have a an additional roof life certificate report (affidavit ) undertaken that supersedes all insurance options and has settles the matter completely.
The Reality Behind Roof Coating and Insurance Policies
. There’s a lot of misinformation out there. Here’s what you need to know:
- Roof Coating Extends Lifespan: Applying a protective coating to your roof can help extend its lifespan by smart shield system from the elements, reducing wear and tear over time. Our Satisfied Customer Review:
Sigfredo Martinez
232 NE 22nd St.
Wilton Manors FL.
Installed in 2003, Roof Shield protected us!, no damage, no leaks as yet even after the hurricanes, thanks again Anthony.
- Insurance Companies are not the last word: Few insurers actually favor proactive maintenance, like roof coating, because it lowers the risk of damage and future claims. Always keep records of any work done on your roof and share them with your insurance provider.
- No Automatic Policy Cancellation: Despite some misconceptions, coating or painting your roof doesn’t automatically mean your insurance policy will be canceled. Just make sure the coating is professionally done and doesn’t hide any underlying damage and if repairs are required they must be done prior to any sealants are applied.
- Inform Your Insurer: Before having any Insurance agent or employee ( which are not licensed contractors or licensed inspectors and are not able to sign off or deny a additional roof life certificate/ affidavit). stomp around on your roof before you have the roof maintenance undertaken and get this affidavit signed off on If they deny the insurance coverage after they are in receipt of the affidavit sue them. The insurance company’s regardless are still raising rates by 1 to 1.5 xs each year in Florida, they are doing this on new roofs and old ones at the same scale so it doesn’t matter. The point is they can’t deny you if they do call us, we have a Team of attorneys we can recommend to you that will take your case providing you have followed all the rules and that your roof is not truly a reroof candidate because of wear and Tear age and lack of upkeep.
By understanding the reality of roof coatings and insurance, you can make informed decisions that protect both your home and your policy.