Is Your Aging Roof Putting Your Home Insurance at Risk? Here’s How to Stay Protected

In recent years, more and more homeowners across coastal North Carolina are receiving troubling news: their home insurance provider is either increasing premiums or dropping them altogether—simply because of an aging roof. At Patriot Roofing & Exteriors, we’ve seen it happen time and again, and we’re here to help you stay ahead of the curve.

Why Insurance Companies Are Dropping Coverage

As roofs age, they naturally become more susceptible to damage—from hurricanes, high winds, hail, and heavy rains, all of which are common along the Carolina coast. Insurance companies view older roofs as a higher liability. Even if your roof hasn’t failed yet, it may be enough for your insurance provider to view your home as a risk and refuse to renew your policy.

Some insurers are even placing age limits—if your roof is over 15 or 20 years old, your coverage could be compromised.

The Cost of Waiting

Waiting until your roof shows visible signs of damage can be a costly mistake. Not only could you face potential leaks, structural issues, and expensive emergency repairs, but you may also lose your insurance coverage or face skyrocketing premiums. That puts both your home and your financial security at risk.

Be Proactive: Inspections, Upgrades & Peace of Mind

Here’s the good news: being proactive pays off. A roof inspection from Patriot Roofing & Exteriors can identify weak points before they become major problems. If it’s time for a new roof, we’ll help you choose high-quality, storm-resistant materials that not only protect your home but may also lower your insurance premiums.

Affordable Financing Options

We understand that a new roof is a major investment. That’s why we offer flexible and affordable financing options designed to fit your budget. With our trusted financing partners, you can spread out the cost over time—with little to no money down and manageable monthly payments. No homeowner should have to choose between safety and affordability.

Take Advantage of the FORTIFIED Grant Program

For homes along the coast, there’s another smart way to save: the FORTIFIED Roof™ program. This nationally recognized standard strengthens roofs against high winds and severe weather. Even better, North Carolina offers grant programs to help offset the cost of upgrading to a FORTIFIED Roof.

Eligible homeowners can receive up to $10,000 in grant money through the Strengthen Your Roof program, administered by the NC Insurance Underwriting Association. This can significantly reduce out-of-pocket costs—and may make you eligible for insurance discounts, too.

At Patriot Roofing & Exteriors, we are certified FORTIFIED Roofing professionals. We’ll guide you through the entire process—from inspection and application to installation and certification.

Protect Your Home Before the Next Storm

If your roof is more than 15 years old—or if you’re worried about losing your insurance coverage—it’s time to act. Let Patriot Roofing & Exteriors help you protect your home, your wallet, and your peace of mind.

📞 Call us today to schedule your free inspection and learn more about your options.