Is Your Insurance Company Asking You to Pay for a New Roof?
- Sterling Scott
- May 11
- 2 min read
Updated: May 15
My name is Sterling Scott, owner of Trust Public Adjusting Group, a firm I founded nearly a decade ago in Daytona Beach. Over the years, we’ve helped thousands of residential and commercial property owners navigate insurance claims. Recently, we’ve seen a troubling trend.
Why Homeowners Are Receiving Roof Non-Renewal Letters
More and more homeowners are receiving non-renewal letters from their insurance companies stating: replace your roof or risk losing coverage. These letters often pressure property owners into paying out of pocket - but in many cases, that’s exactly what you shouldn’t do.
Here’s why.
In our experience, every property owner who has contacted us after receiving one of these letters had a roof that the insurance company likely owed to replace. These notices often aren’t just warnings, they’re indicators. Insurance companies evaluate the age of your roof and recent storm activity, and in many cases, they already know there’s a high probability of covered damage. Instead of proactively paying the claim, they shift the burden to you.
Simply put: if you’ve received one of these letters, there’s a strong chance your insurance company may owe you for a full roof replacement… and possibly more.
Get a FREE Professional Inspection
Before you spend tens of thousands of dollars out of pocket, take a step back. Have a professional review your situation. At Trust Public Adjusting Group, we offer free property inspections and policy reviews to determine what your insurance policy actually covers and what you’re entitled to.
Debunking The Myths: Filing A Claim Won’T Raise Your Premiums
Another important point - filing a claim will not cause your individual premiums to increase. Rate adjustments are typically made based on geographic risk, not because one homeowner files a claim, especially for storm-related damage. If your carrier is already threatening non-renewal, there’s little downside to properly exploring your coverage.
Don’t let a letter pressure you into making a costly mistake. If you’ve received a non-renewal notice tied to your roof, have it evaluated before taking action. You may be closer to a covered claim than you think.
Serving Volusia County
Sterling Scott | License #W333253
Call: 386-456-6885 | Text: 850-708-2582
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