What Causes Home Insurance Cancellation in San Antonio?
Home insurance cancellation in San Antonio is becoming more common due to insurers using new technologies such as aerial photos and AI to flag potential roof issues. Homeowners are being dropped for things like overhanging tree limbs, roof discoloration, or missing shingles—even if the roof is in good condition.Â
Dolan Roofing & Construction has more information about denied policies throughout Texas, aerial roof inspections, and how you can protect your home and coverage.
What Triggers a Home Insurance Cancellation in San Antonio?
There are many reasons why homeowners’ insurance may be canceled. Under normal circumstances, the most common reasons include:
- Failing to pay premiums
- Filing too many claims
- Not completing needed maintenance
- Living in a high-risk area
More recently, in San Antonio and other cities in Texas, however, homeowners have faced home insurance cancellation due to the condition of their roof as assessed by aerial photos, AI, and other technological tools. Companies have denied homeowners for reasons such as:
- Tree limbs near the roof
- Visible roof discoloration or algae
- Signs of wear, moss, and missing shingles
How Aerial Roof Inspections Work in Texas
As reported by KUT in Austin, aerial roof inspections make use of tools like CAPE Analytics, Nearmap, and other AI technologies to perform roof inspections on homes. Insurance companies use the satellite imagery provided to them to analyze roofs, assess their condition, and make decisions on whether to continue covering a home under their policies.
The article by KUT includes several examples of policy non-renewals affecting homeowners around the country, including Texas cities like San Antonio, Houston, and Austin.Â
Unfortunately, these remote inspections simply aren’t as thorough or accurate as one completed by a human expert in person—but AI-driven inspections are much cheaper and more efficient to complete, leading to this increase in usage.
What to Do If Your Policy Is Denied or Cancelled
If you’re faced with home insurance cancellation in San Antonio, you should:
- Hire a professional roofing contractor to complete an in-person inspection with photo documentation
- Complete roof maintenance tasks such as tree trimming, roof cleaning, and repairs, also with photo documentation
- File an appeal with your insurance company
- Contact the Texas Department of Insurance if unfairly denied
Homeowners impacted by insurance denials have found it difficult to contest them. That said, following the steps outlined above may make it possible to appeal the decision.
How to Protect Your Home (and Insurance) Moving Forward
San Antonio homeowners can protect themselves from insurance policy denial by prioritizing proactive roof maintenance and ensuring their roof is in optimal condition. Good roof maintenance includes services such as:
- Annual roof inspections
- Tree trimming near the roofline
- Cleaning the roof and gutters of debris and leaf litter
While this issue has become more prevalent, most homeowners are still covered by their insurance providers. Still, these developments highlight the need to remain vigilant and for homeowners to be aware that their property may be subject to aerial inspections.
Maintaining records of roof repairs and maintenance can help provide homeowners with a paper trail of evidence, while speaking to insurance providers will help clarify their inspection practices and stay on top of any concerns that may arise.
We Are Here When Insurance Letters Start Showing Up In Your Mailbox
If your insurance provider has flagged your roof or sent a cancellation notice, Dolan Roofing & Construction is ready to help. We get calls like this every month— our San Antonio roofing experts are well-versed in the requirements that many insurance companies have when it comes to keeping your roof in good condition.Â
With decades of residential roofing experience, we provide thorough, well-documented inspection reports that will keep you updated on the state of your roof and provide plenty of photos to use as evidence if your insurance provider tries to cancel your coverage.
📷 Need photos?
📄 Need a roof condition report?
💬 Just need someone to talk you through it?
We’ve got your back. Call us today, and let’s keep your roof (and your policy) in great shape.
* NOTE: Dolan Roofing & Construction & Construction and its authorized representatives are NOT acting as Public Insurance Adjusters and will not negotiate with insurance on the Customer’s behalf. This blog is intended for informational purposes only and should not be construed as professional insurance advice. The information provided here is based on general knowledge and experience with roof replacement claims. For specific advice related to your insurance policy or claim, please consult with your insurance provider or a licensed insurance professional.
