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Can an insurance company make you replace your roof in order to renew your home insurance? -Julie O, MN

Julie,

Your insurance company can never force you to replace your roof or any other part of your home. However, if your roof is in poor condition due to a lack of proper maintenance, the insurance company does have the right to non-renew your policy. Every provider is different, though, and you should check the specific details of your policy for more information. If your insurance company is considering to non-renew your policy, it might be in your best interest to have your roof repaired or replaced. This might help you lower your insurance rates and will make your home less susceptible to wind and hail damages.

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