Roof questions at renewal? Get your client a documented answer.

Roof size and a replacement range in about a minute, then a vetted local roofer who documents the roof's condition.

No claim talk. No referral fees. Coverage decisions stay with the carrier.

A homeowner's insurance letter on a kitchen table next to reading glasses and coffee

Roofs drive the losses, so roofs drive the renewals.

42.5%

of homeowners insurance losses in 2023 came from wind and hail, the largest share of any cause.

Insurance Information Institute

38%

of US homes have roofs in moderate or poor condition, and those roofs carry 60% higher loss costs.

Verisk, April 2025

$17,631

was the average residential roof replacement in 2025, up 33% from the prior four-year average.

Verisk via Insurance Journal, June 2026

When the carrier flags a roof from the air

By August 2026, 22 state insurance departments had issued bulletins on aerial imagery. The common message: imagery shouldn't be the only basis for a non-renewal, and policyholders get a chance to dispute it or fix the roof.

PropertyCasualty360, August 2026 and Troutman Pepper, March 2026

A documented inspection is the usual answer. A roofer's dated condition report with photos gives your client evidence for underwriting.
Florida roofs 15 years and older. An inspection showing 5 or more years of useful life keeps an insurer from refusing coverage on roof age alone. Licensed roofing contractors qualify as inspectors when the insurer approves them. Fla. Stat. 627.7011
Citizens. Homes over 20 years need a 4-point inspection. Shingle roofs over 25 years need proof of at least 5 years of remaining life. Citizens Property Insurance

Three moments it helps your client

Renewal notice

"Repair or we non-renew"

Your client gets a replacement range to plan around and a roofer's condition report to send back to underwriting.

Florida

Older roof, new policy

A partner roofer inspects the roof and documents its condition on the forms your carrier accepts, where the carrier approves the inspector.

Hail states

Planning for a new roof

When an older roof moves to actual cash value, your client sees what a replacement costs before deciding when to do it.

What RoofClarity is not

Not an insurance valuation. Our range is a roof project estimate. It is not a replacement cost estimate for Coverage A, an ACV figure or a claim value.
Not claim help. We don't interpret coverage, adjust claims or recommend filing one.
Not a carrier form. Each carrier decides which inspections and inspectors it accepts.

Insurance and storm notice

Do you handle insurance claims?

No. We don't file, negotiate or advise on claims. A licensed roofer documents the roof's condition and your client decides what to do next.

What do I get back?

Roof surface area, pitch, squares and a replacement range for the address. If your client wants it, a licensed roofer inspects the roof and documents its condition.

Is there a cost?

The roof check is free. If your client needs a written report or inspection, the roofer tells them about any fee up front.

Will you contact my client directly?

Only if you ask us to. Most agents want us to call them first.

Do you work in Florida?

Estimates work for every Florida address. Inspections depend on partner coverage in the county, and we confirm that on the first call.