Yes. A Tennessee insurer can decline to write or renew a homeowners policy because of roof condition, but it has to give you advance written notice before nonrenewing your policy.
Many carriers now review roofs with aerial images or inspections. Worn shingles, visible hail damage, and roofs near the end of their life are common reasons for a nonrenewal or a request to replace the roof. Some carriers also pay older roofs on an actual cash value basis instead of replacement cost.
Keep receipts and permits for any roof work, and if you get a nonrenewal notice, call us right away. We can shop other carriers before your policy ends.
Questions about your own policy? Ace Insurance Consultants in Knoxville helps homeowners and drivers across Tennessee compare options from multiple carriers.
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