Yes. A California insurer can decline or nonrenew a homeowners policy because of roof condition, but it has to follow state rules when it does.
Insurers generally must give at least 75 days’ written notice before nonrenewing a homeowners policy and tell you the reason. If you think the decision is wrong, you can ask the insurer to reconsider, for example after a roof repair or replacement, and you can file a complaint with the California Department of Insurance. After a declared wildfire emergency, the Insurance Commissioner can also order a one-year moratorium on nonrenewals in affected ZIP codes.
Many carriers now review roofs with aerial images. Worn roofs and untreated wood shake roofs are common reasons for a nonrenewal, and older homes may also get questions about electrical panels, plumbing, and water heaters. Keep permits and receipts for any updates, and if you’re nonrenewed, we can shop private carriers and the FAIR Plan for you.
Questions about your own policy? Elye Insurance in Mission Viejo helps homeowners and drivers across California and Nevada compare options from multiple carriers.
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