When most homeowners consider roof maintenance, they usually envision patching leaks and replacing shingles. Yet, one often overlooked issue has the potential to develop into a big problem for both your home and your home insurance: moss! Allowing this unassuming furry plant to grow on your roof can have serious consequences. Failing to call roofing contractors Sonoma County to address moss can lead to roof damage and potentially void home insurance claims.
If your roof experienced moss growth, read on to learn about the potential harms of moss growth, why it impacts your insurance, and how to prevent problems from moss.
Why Is Moss on Your Roof a Problem?
Moss is a type of plant that thrives in damp environments, making it especially common on roofs in wetter climates. While it may look benign, moss can cause considerable harm to your roof over time. Fall is the perfect time for roof repairs because roofers can also find and eliminate moss growth when removing autumnal debris.
Moisture Retention
Moss retains moisture, keeping the surface beneath it damp even when the sun is out. This dampness can lead to wood rot, weakened shingles, and eventually leaks.
Structural Damage
As moss grows, its roots can penetrate shingles and other roofing materials, prying them apart. This can loosen shingles, increase the risk of tiles breaking, and ultimately affect the roof’s structural integrity.
Drainage Problems
Moss growth isn’t limited to just the roof; it can also clog gutters, downspouts, and other drainage systems. This blockage can lead to water pooling that may cause further roof damage and potential leaks.
How Moss Can Impact Your Home Insurance Coverage
Home insurance policies are typically designed to protect your home from common roof disasters that occur spontaneously, not damage that occurs gradually over time. This distinction is crucial for understanding why insurance providers are often reluctant to cover roof damage when moss is involved.
Policy Clauses on Maintenance
Most home insurance policies contain clauses that require homeowners to perform routine maintenance on their homes, including the roof. If moss buildup is present, the insurance company might argue that the homeowner did not take adequate steps to maintain the roof, thus voiding any claims related to it.
Negligence and Wear and Tear
Insurance providers generally do not cover “wear and tear” or damage resulting from neglect. Since moss is preventable, it is often viewed as a sign of neglect if left unchecked.
Reduced Payouts for Pre-Existing Damage
Even if an insurance company doesn’t fully deny a claim, they may reduce the payout if they determine that moss contributed to the severity of the damage.
Steps to Prevent Moss and Protect Your Insurance Coverage
Knowing how moss can affect your roof and insurance claim eligibility is only part of the equation. Regular maintenance and prevention are key to ensuring that your roof remains in good condition—and fully covered.
Schedule Regular Roof Inspections
One of the best ways to avoid moss-related issues is to have your roof inspected regularly by a professional roofing service. Experts can identify early signs of moss growth and other problems before they become severe, helping you stay ahead of potential insurance concerns.
Clean Your Roof Regularly
Follow the essential roof care cleaning tips and schedule regular professional cleanings to keep your roof clear. Gentle brushing, sweeping, or pressure washing by a professional can effectively remove moss without damaging shingles. Avoid DIY methods, as improper cleaning techniques can weaken roofing materials.
Trim Overhanging Branches
Since moss thrives in shady, moist environments, overhanging branches can exacerbate the problem. By trimming back trees and branches near your roof, you allow more sunlight to reach the roof surface, creating an environment less conducive to moss growth.
Address Water Pooling Issues
If you notice water pooling on your roof after a storm, take steps to improve drainage as soon as possible. Clogged gutters or improperly sloped roof sections can create moisture pockets where moss is more likely to grow, leading to both moss and water damage. If you see signs that your home needs new gutters, don’t wait!
Protect Your Roof and Your Home Insurance with ARS Roofing
Our experienced roofing contractors in Sonoma County offer comprehensive inspections, moss removal, and maintenance services that help you preserve both your roof and your insurance coverage. Contact ARS Roofing now to safeguard your roof and your investment with expert moss removal and roofing maintenance services!
Experiencing a roofing emergency? Call our 24/7 emergency hotline at (707) 584-5900 for fast emergency roof repair service!