The harsh realities of complex insurance policies

CCS Influencer Joe Sorrentino says that staying in contact with the local roofing association and their government affairs committee is a great way to stay informed locally

Navigating the complex insurance policies and state/local building codes and regulations is a challenge for many roofing contractors providing services in the high wind/rain event areas of the country. Although building codes and regulations along with the proven in place performance of the proposed/existing roof systems are allowed and exist, the insurance carrier has the right to deny coverage for the building owner. The useful service life and long term restoration solution is being dictated by the insurance industry in areas.

The state of Florida, along with other coastal states, have been affected by these actions. An article published in July of 2023 illustrates the dilemma which continues to exist in the state of Florida. Extensive communications with the state legislature are being conducted to help explain the cost effective and environmentally friendly benefits of roof restoration solutions. Many functioning roofing systems are being put in landfills prematurely. Many could have been restored and sustained. So be cautious in these states where high wind/rain events (aka hurricanes) exist.

A better understanding of the building owners coverage and policy renewal is critical to assist in the development of the proper selection of maintenance versus restoration. The year of the existing roofing assembly in place is a critical need to “know.” Restoration solutions currently functioning are being denied for insurance coverage forcing removal and roof replacements. The meter is ticking so to speak on many who are anticipating a much longer useful service life of their roof investment. When a roof hits the 15 year mark, it is being identified for replacement. These are harsh realities felt by many building owners who are/were under long term/renewable warranty programs between contractor and manufacturer. It is an awkward position to be in when proposing a sound solution from a different point of view. The proven useful service life expectancy versus the risk management side of the insurance carrier.

Staying in contact with the local roofing association and their government affairs committee is a great way to stay informed locally. Being aware of the numerous associations that meet quarterly/annually in the risk management/claims/legal side would be overwhelming but just know that it exists! 

Read more from Joe in his article “The Power Of NO-Know Roof Coatings” (page 34).