Aerial Imagery and Homeowners Insurance Nonrenewals in Connecticut

How Insurers Evaluate a Roof

Insurers may inspect the properties they insure in person or with aerial imagery, such as satellite images or drone photos. Aerial imagery is typically a screening tool and may be followed by a physical inspection.

What Insurers Commonly Review

Roof age.

Age limits vary by insurer, commonly in the 15 to 20 year range for asphalt, wood and rubber roofs, and architectural shingles may be eligible for longer.

Roof condition.

Insurers review missing, lifted, curled, cracked or deteriorated shingles, multiple layers, unrepaired damage, moss buildup and overhanging tree limbs.

Notice and Cancellation Rules

Nonrenewal.

The insurer must give at least 60 days’ advance written notice, with a clear explanation of the reason.

Cancellation during the term.

For a policy in effect at least 60 days, or an effective renewal policy, cancellation is limited by law and generally permitted only for reasons such as nonpayment of premium, material misrepresentation, or a physical change in the property that materially increases a hazard insured against.

Your Options

• Ask your insurer for specific details about the issue.
• Provide documents, such as receipts or contracts, that show repairs or replacement that are complete or scheduled.
• Ask whether a temporary extension or an alternative is available while repairs are underway.
• Consider other insurers, because one insurer’s decision does not mean another will not offer coverage.
• If you cannot find coverage in the private market, the Connecticut Property Insurance Placement Facility, the CT FAIR Plan, is the insurer of last resort.
• Questions about homeowners underwriting or nonrenewal notices can go to the Connecticut Insurance Department at insurance@ct.gov or 860-297-3900.

For the first steps after a notice, see Nonrenewed or Cancelled Policies. We represent you, not a single insurance company.

Frequently Asked Questions