top of page

Home Insurance Headaches: Why You Should Of Cleaned Your Roof Yesterday

Owning a home comes with many responsibilities, and maintaining your roof is one of the most critical. Neglecting this vital part of your home can lead to a cascade of problems, especially when it comes to your home insurance. Here’s why keeping your roof clean and well-maintained should be a top priority.

1. Prevention of Damage

A dirty roof can accumulate debris like leaves, twigs, and algae. These can trap moisture, leading to:

  • Water Damage: Moisture can seep into your roof’s structure, causing wood rot and mold growth.

  • Structural Issues: Excessive weight & moisture from accumulated debris can strain your roof’s structure.

  • Leaks: After a while the organic growth will take a toll on your roof causing it to leak prematurely.

  • Pests: Excessive organic growth on your roof will attract bugs and other pest.

Regular cleaning helps prevent these issues, ensuring your roof remains in good condition.

2. Longevity of Your Roof

Roofs are a significant investment, and their longevity can be greatly reduced by neglect. Moss and algae, if left unchecked, can deteriorate roofing materials, leading to premature aging. This can force you into costly repairs or a complete roof replacement much sooner than necessary.

More and more we here at Ardsley Pressure Washing meet homeowners who can't get new home insurance policies because of old roofs inundated with moss and algae. Many after being told to get a new roof solicit our services before finding a new carrier. After a roof softwash they're ready for a new policy without the burden of needing a new roof.

3. Insurance Coverage and Claims

Insurance companies expect homeowners to maintain their properties. A poorly maintained roof can lead to several complications with your home insurance:

  • Claim Denial: If damage occurs because of poor roof maintenance, your insurance provider might deny your claim.

  • Policy Non-Renewal: Insurers can refuse to renew your policy if they deem your roof is in disrepair.

  • Increased Premiums: Some insurers might increase your premiums if they consider your roof to be a liability.

4. Safety Hazards

A dirty or neglected roof can also pose safety risks:

  • Fire Hazards: Dry leaves and debris can become a fire hazard, especially in areas prone to wildfires.

  • Pest Infestation: Accumulated debris can attract pests like rodents and insects, which can further damage your roof and home.

Keeping your roof clean minimizes these risks, contributing to a safer living environment.

5. Curb Appeal and Property Value

A well-maintained roof boosts your home’s curb appeal and overall property value. If you plan to sell your home, a clean, well-kept roof can be a major selling point, reassuring potential buyers that the property is well-cared for.

6. Avoiding Costly Repairs

Regular roof cleaning and inspection can identify minor issues before they become major problems. Small cracks, loose shingles, or damaged gutters can be repaired easily if caught early, saving you from expensive repairs down the line.

Practical Tips for Roof Maintenance

  • Schedule Regular Inspections: Have a professional inspect your roof at least once a year.

  • Clean Gutters and Downspouts: Ensure gutters (Gutter Cleaning) are clear to prevent water buildup.

  • Trim Overhanging Trees: This reduces the amount of debris that can fall on your roof. Also shade will allow more moss and algae to grow on your roof.

  • Remove Moss and Algae: Use appropriate softwash treatments to prevent growth that can damage roofing materials.

  • Check for Damage After Storms: High winds and heavy rain can cause damage that needs immediate attention.


Maintaining your roof is crucial not just for the integrity and safety of your home but also for your financial security. A clean and well-maintained roof helps prevent damage, extends its lifespan, and ensures that your home insurance remains valid and affordable. Don’t wait for problems to arise; clean your roof regularly and enjoy peace of mind knowing your home is protected.


  • National Roofing Contractors Association (NRCA)

  • Insurance Information Institute (III)

  • Federal Emergency Management Agency (FEMA)

  • Consumer Reports on Roof Maintenance

By understanding the importance of roof maintenance and taking proactive steps, you can avoid the many headaches associated with home insurance and ensure your home remains a safe, comfortable haven.



bottom of page