If your home has an old roof, curled shingles, missing tiles, hail damage, or a failed inspection, many insurance companies will decline or non-renew coverage.
This is happening more often in Arizona as carriers tighten guidelines.
We specialize in insuring hard-to-place homes, including homes with:
- Roofs older than 15–20+ years
- Curling shingles
- Broken or missing tiles
- Previous hail or monsoon damage
- Failed roof inspections
- Pending roofing repairs
- Partial roof damage
- Insurance non-renewal due to roof condition
We work with standard and surplus lines carriers willing to write homes with roof challenges.
Why Homes With Roof Issues Are Declined
Old Roof (15–25 years old)
Many carriers want new roofs or roofs under a certain age.
Roof Not Updated After Loss
If a past claim occurred but repairs were not completed, underwriting will usually decline.
Active Leaks or Water Damage
Open roof leaks trigger immediate rejection.
Missing Shingles or Tiles
Monsoon storms commonly cause this, and carriers flag it as high-risk.
Failed Home Inspection
Carriers often non-renew after an inspection identifies roof wear.
Insurance Options for Roof Problem Homes
Specialty Homeowners Insurance (HO-3 or DP forms)
Designed for homes that standard carriers reject.
Actual Cash Value (ACV) Roof Coverage
Budget option until roof replacement is completed.
Replacement Cost Coverage (Available after repairs)
Can be added once the roof is replaced or updated.
Modified Coverage (Interim Solution)
Covers the home while you plan or finance roof work.
Vacant or Renovation Home Coverage
If no one is living in the home during major repairs.
Who We Help in Tempe
We insure:
- Homes with old shingle roofs
- Tile roofs with cracked or missing tiles
- Homes with past roof damage
- Homes with pending repairs
- Homes requiring a roof before closing
- Homes that received a non-renewal letter
- Investors flipping a home with an old roof
- Landlords with aging properties
How to Get Homeowners Insurance With Roof Issues in Tempe, AZ
- Call or text 480-270-2935 — this is step one.
- Tell us your roof age and condition
- We match you with a carrier accepting roof-risk homes
- You choose the best available policy
Coverage can often be issued same day, even with roof concerns.
Homeowners “Roof Issue” FAQs — Tempe, AZ
Can I get homeowners insurance with an old roof?
Yes — we work with carriers that insure older roofs, including 15–25+ year old roofs.
Absolutely — can you insure a home that failed a roof inspection?
Yes. We insure homes that failed inspection or received repair recommendations.
Do I need to replace the roof before getting insurance?
Not always. Many carriers offer temporary or ACV policies until repairs are completed.
Homeowners Insurance for Roof Issues in Tempe, AZ — Get a Quote Today
Need insurance for a home with an old or damaged roof? We can help.
Call or text 480-270-2935 for a fast quote.
¿Prefieres hablar en español?
¿Prefieres hablar en español?
Llámanos al 480-270-2935 para asegurar una casa con problemas de techo en Tempe, AZ.