Roofing guide
Your Insurer Flagged Your Old Roof. What to Do Next
A notice about your roof is a deadline, not a verdict. Most homeowners have options if they move quickly.
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Answered 24/7(470) 291-8924By Karl Sutton, Residential Roofing Writer · Updated September 2026
If a Georgia insurer flags your roof at renewal, read exactly what the notice asks for and by when, then get an independent roof inspection with dated photos. A written condition report showing the roof's actual state, plus any repairs the inspector recommends, is often what a carrier needs; replacement is only one of the possible answers.
First step
Read the Notice Carefully
Notices vary. Some ask for photos or an inspection report, some require specific repairs, and some state that the policy will not be renewed. Each carries a date.
Note the deadline, the exact items requested and who to send documents to. Call your agent to confirm what would satisfy the carrier before you spend money.
The evidence
Get an Independent Inspection
Carriers often decide from aerial images or a quick drive-by. An on-roof inspection shows what is really there: the shingle condition on every slope, the flashing, the attic and any past repairs.
Ask for a written report with labeled, dated photos of each slope. That is the document an underwriter can actually use.
Repair
When Repairs Are Enough
Many flagged roofs have specific problems rather than general failure: a few missing shingles, a worn pipe boot, debris, algae streaks that look worse in photos than they are. Fixing those and documenting the fix can resolve the concern.
Send the carrier before-and-after photos and the invoice, and ask for written confirmation that the item is closed.
Insurer asking about your roof? Call and book an inspection with a written condition report.
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When Replacement Is the Honest Answer
If the inspection finds widespread curling, granule loss or soft decking across the roof, repairs will not change the carrier's view for long, and replacement is the real fix. Architectural shingles are commonly rated for about 25 to 30 years, and roofs past 15 to 20 often land here.
If a recent storm caused the damage, that may be a covered claim rather than an out-of-pocket replacement, so check before you pay.
Options
Other Options to Discuss With Your Agent
Ask whether the carrier will extend the deadline while repairs are scheduled, whether another carrier would write the policy with the roof as it is, and whether a documented plan to replace within a set time would help.
Do not let coverage lapse while you sort it out. A gap in coverage usually causes more trouble than the roof itself.
Documentation
What an Underwriter Wants to See in Photos
Underwriters look for a clear, dated picture of the whole roof: an overview of every slope, close-ups of flashing, vents and any repaired areas, and the attic underside. Photos should be labeled by slope so nothing looks cherry-picked.
A short written summary of the roofing material, its condition and the estimated remaining life ties the photos together and answers the question they are really asking.
Next time
Keeping the Roof Insurable Going Forward
Fix storm damage promptly, keep gutters and valleys clear, and have boots and flashing checked every year or two. Keep receipts and before-and-after photos of every repair in one folder.
When renewal comes around again, that record answers most questions before they turn into a notice.
FAQ
Common Follow-Up Questions
Carriers weigh roof age and condition heavily in storm-prone areas. A worn roof raises their expected claim cost.
Often. If the notice lists specific issues, repairing and documenting them can resolve it.
Photos of every slope, notes on shingles, flashing and attic, and an honest remaining-life estimate.
Not automatically. Condition matters more than age; an inspection tells you where you stand.
Both, quickly. The agent explains what the carrier needs; the roofer documents the roof.
If a storm caused the damage, it may be. Check before paying for a replacement.
Book the inspection as soon as the notice arrives so the report is ready well before the deadline.
Atlanta, GA service office
1421 Peachtree St NE FL. 3, Atlanta, GA 30361
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Answer the notice with evidence
Call to book an inspection. You get a written condition report and a clear read on repair or replacement.