Insurance companies are increasingly canceling or refusing to renew homeowners’ policies due
to moss and algae growth on roofs. These organisms trap moisture, accelerate roof decay, and
signal neglect to insurers, who now use aerial imagery to flag "high-risk" properties 137. This
blog explains why insurers are taking action, how moss threatens your roof’s longevity, and the
safest way to resolve the issue without losing coverage.
Why Insurers Cancel Policies Over Moss and Algae
Aerial Inspections
Insurers like Liberty Mutual and Safeco use satellite or drone imagery to
identify roofs with moss, algae, or debris. These images often lack clarity, leading to disputes
when homeowners prove their roofs are undamaged 3712.
Risk of Water Damage
Moss retains moisture, which rots shingles, weakens roof decks, and
fosters mold. Insurers view this as a liability, as repairs can cost tens of thousands of dollars
41011.
Policy Language
Most policies require homeowners to maintain their roofs. Neglecting moss
or algae can be deemed negligence, voiding claims for water damage or mold 2611.
The Hidden Danger of Moss and Algae
Structural Damage
Moss roots lift shingles, allowing water to seep into attics and walls,
causing leaks and rot 410.
Reduced Lifespan
Algae feeds on asphalt shingles, degrading them over time. A neglected
roof may last 10–15 years instead of 30+ 1011.
Insurance Compliance
Insurers like Travelers and State Farm often demand roof cleaning or
replacement to renew policies 18.
Why Pressure Washing Is Not the Answer
High-pressure washing may seem like a quick fix, but it:
Voids Warranties
Manufacturers like GAF and Owens Corning prohibit pressure washing, as it
strips protective granules from shingles 210.
Causes Hidden Damage
Forced water can penetrate under shingles, leading to leaks and rot
that go unnoticed until repairs become costly 210.
Fails Insurance Standards
Insurers may deny claims if pressure washing damages the roof,
leaving homeowners fully liable 211.
The Safe, Insurance-Friendly Solution
Soft Washing
Soft washing uses low-pressure sprays and eco-friendly solutions (e.g., sodium hypochlorite) to
kill moss and algae without harming roofing materials. Benefits include:
Long-Term Results
Treatments prevent regrowth for 1–3 years, reducing the need for frequent
cleanings 210.
Warranty Compliance
Approved by the Asphalt Roofing Manufacturers Association (ARMA)
210.
Insurance Approval
Professional soft washing provides documentation (before/after photos,
reports) to prove compliance with insurer requirements 611.
Steps to Protect Your Roof and Policy
Schedule a Professional Inspection: Identify moss or algae early.
Choose Soft Washing
Avoid DIY or pressure washing risks.
Submit Proof to Insurers
Provide cleaning reports and photos to secure policy renewal 611.
Moss and algae on your roof are more than cosmetic issues—they’re insurance liabilities. With
insurers increasingly relying on aerial inspections, proactive maintenance is critical. Soft
washing offers a safe, lasting solution to protect your roof’s lifespan and keep your coverage
intact.
Act Now: Don’t wait for a cancellation notice. Schedule a professional soft wash today to
safeguard your home and insurance.
