Insurance companies may be hesitant to provide coverage to homes with moss on the roof or moss on the roof of sheds for several reasons. Moss on the roof can be indicative of certain issues that insurers consider as potential risks. Here are some reasons why insurance companies may be cautious:
Water Damage: Moss can retain moisture, and its presence on the roof may suggest that water is not properly draining. This can lead to water damage, which is a common cause of insurance claims.
Structural Damage: Moss can grow into the roof structure, potentially causing damage over time. Insurance companies may be concerned about the structural integrity of the property.
Maintenance Issues: The presence of moss might indicate a lack of regular maintenance on the property. Insurers typically prefer homes that are well-maintained to reduce the likelihood of claims.
Fire Hazard: Dry moss can be flammable, posing a fire risk to the property. Insurance companies are concerned about factors that could increase the chances of a fire.
Long-Term Damage: Moss can degrade roofing materials over time, leading to the need for costly repairs or replacements. Insurance companies want to avoid properties with conditions that may result in long-term damage.
It’s essential for homeowners to address these issues and maintain their properties to meet the insurance company’s standards. Regular roof maintenance, cleaning, and addressing any underlying problems can help improve the insurability of a home. If you are facing difficulties obtaining insurance, consider consulting with an insurance agent to discuss how to make your property more insurable.