Hey, Montco homeowners, if you’ve recently received a surprising letter from your home insurance company about your old roof, you’re not alone.

It’s not a scam. It’s not a mistake. It’s part of a sweeping shift in how insurers are evaluating risk.

We’re Gunner Roofing, America’s Favorite Roofer, and here’s what’s going on.

Since 2021, homeowner insurance premiums have jumped 21%, thanks to rising construction costs and weather-related claims following heavy rain or severe weather. Insurers are cracking down, even flying drones over properties, evaluating the age of your roof, and even refusing to renew policies on older roofs.

Here’s what you can do if you receive a letter about your roof from your insurance company:

• Read Your Policy Carefully: Check whether your coverage is “RCV” (Replacement Cost Value) or “ACV” (Actual Cash Value). That small detail can mean thousands of dollars.

• Call a Pro: Get a roof inspection from a licensed roofer who understands the insurance process to take a closer look. Our team at Gunner uses drones and deep insurance knowledge to help you navigate the next steps.

• Talk to Your Insurer: Share the inspection report, ask questions, and document every conversation. Repairs might be enough.

• Explore Other Options: Some insurers are more lenient than others. If your current insurance provider is being difficult, shop around.

• Meet Deadlines: If your insurer gives you a window to do the roof repair, act fast. Miss it, and you could lose coverage entirely.

At Gunner Roofing, we’re here to help you protect your home, your insurance, and your peace of mind.

We’ll walk you through everything with transparency, quality craftsmanship, and just the right amount of neighborly charm.

Because your roof isn’t just asphalt shingles; it’s the first line of defense for everything that matters.