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Do I have to replace my roof if my insurer requested this?

My insurer sent me a letter stating that I need to replace the roof of my house within nine months because it has visible damage. Do I actually have to replace my roof just because it was requested by the insurer?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“No, you don’t have to replace the roof unless you’re 100% sure that you want to stay with that insurer.
Keep in mind that a new roof probably costs a minimum of $10,000, so even if you get a few hundred dollars in savings from bundling
car insurance
with this insurer, it may not be worth it.
While you’ll have to replace your roof eventually, a different company may not require you to for coverage. Switching insurers could buy you a few years to save up for the roof replacement.
If you want help finding the best insurance for your home in its current state, try using the free
Jerry
app. Jerry compares rates from the top providers and delivers the best deals to your phone in minutes. Jerry will help you save money so you can invest in your roof when you’re ready.”
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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