An aerial view of homes in a housing development on September 08, 2023 in Santa Clarita, California. It’s a notice no homeowner wants to get: Your insurance company has decided not to renew your policy, effective in 30 days. The reason? Based on aerial photos of your home, your roof is in poor condition.Allstate will insure California homes again, under one condition
While these inspections still happen, many insurance companies are relying on aerial images as a cheaper, more efficient way to see your property. But to homeowners shocked by a non-renewal, it can feel like a violation. Right now, insurers’ financial risks are significant. In 2023, the U.S. had 28 disasters that each caused at least $1 billion in damage, according to the National Oceanic and Atmospheric Administration.As a result, many home insurers have recently paid more in claims than they made in premiums. One way they’re trying to stem the losses is by dropping their riskiest policies — and aerial imagery can help them pinpoint those homes.
Unfortunately, not everyone has the budget for pricey home repairs. If you can’t address the issue, search immediately for new coverage. Having a non-renewal in your insurance history can make it harder to find another policy, Hixson warns. This includes ridding your yard of debris, trimming trees and monitoring your roof’s condition, Hixson says.
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