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Does Homeowners Insurance Cover Roof Cleaning?

4 min read

In recent years, many Houston homeowners have received letters from their insurance company threatening to cancel or non-renew their policy because of a dirty roof. Here's the situation.

Insurance Companies Use Aerial Photos

Insurers now use satellite and drone imagery to assess roof condition. Dark algae stains can be misidentified as damage, triggering inspection requirements or policy cancellation notices.

Is Roof Cleaning Covered?

Most standard homeowners policies do not cover roof cleaning as it's considered maintenance. However, the cost of professional roof cleaning ($0.30–$0.50/sq ft) is far less than increased premiums or finding a new insurer.

What to Do If You Get a Notice

  1. Don't panic — a dirty roof is not a damaged roof.
  2. Schedule a professional roof cleaning promptly.
  3. Request before-and-after photos from your cleaning service (we provide them automatically).
  4. Send the photos to your insurance company as proof of maintenance.

Protect your coverage. Contact GreaseKleen for fast, professional roof cleaning in Houston.

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