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Mr. Gurgone got a letter from his insurance company about his roof but had just gotten a roof maxx treatment.  Well with a few calls, and a little help from his Roof Maxx dealer, the insurance company was able to clear his Roof Maxx treated roof with their apologies!

Your home is likely one of the most significant investments you'll ever make. Protecting it with homeowners insurance is not only a wise financial decision but often a requirement imposed by mortgage lenders. However, what happens when you have a bad roof? Will you be able to get homeowners insurance or find yourself stuck in a difficult situation? In this article, we'll explore how to get homeowners insurance with a bad roof and introduce Roof Maxx as a possible solution.

The Importance of a Good Roof

Your roof plays a critical role in safeguarding your home from the elements. A damaged or deteriorating roof can lead to a host of problems, including leaks, water damage, mold growth, and compromised structural integrity. Insurance companies understand this, which is why they may be hesitant to provide coverage if your roof is in poor condition.

Traditional Insurance and Bad Roofs

Most homeowners insurance policies require your home to be in good condition, including the roof. Insurance companies often conduct inspections before providing coverage, and if your roof is found to be in disrepair, they may either deny coverage altogether or impose restrictions, such as higher premiums or deductibles. In some cases, they may even require you to repair or replace the roof before they will issue a policy.

Roof Maxx: A Potential Solution

Roof Maxx is a revolutionary, eco-friendly solution for extending the life of your roof and potentially addressing the challenges of obtaining homeowners insurance with a bad roof. Roof Maxx is a spray-applied treatment that rejuvenates asphalt shingles, helping to restore their flexibility, durability, and waterproofing capabilities. Here's how Roof Maxx can help you in your pursuit of homeowners insurance:

Extended Roof Life:
Roof Maxx can add up to 15 years of life to your existing roof, saving you the high costs associated with a complete roof replacement. With a rejuvenated roof, insurance companies may view your home more favorably.

Compared to a full roof replacement, Roof Maxx is a cost-effective solution. By choosing Roof Maxx, you can save thousands of dollars, making it a more financially viable option for homeowners with bad roofs.

Roof Maxx is environmentally friendly. It's made from natural, plant-based oils and helps reduce the waste generated by tearing off and disposing of old shingles during a roof replacement.

Improved Insurability:
While Roof Maxx doesn't guarantee insurance approval, it can improve your chances of securing coverage. A rejuvenated roof may be seen as a lower risk by insurance underwriters, potentially resulting in more favorable terms.

Steps to Get Homeowners Insurance with Roof Maxx

Consult Roof Maxx:
Start by contacting Roof Maxx for an evaluation of your roof's condition. They can assess whether your roof is a suitable candidate for their treatment.

Get a Roof Inspection:
Before applying Roof Maxx, schedule a roof inspection with a licensed contractor or home inspector to determine the extent of your roof's damage and any necessary repairs.

Address Necessary Repairs:
If your roof has significant structural issues, you may need to address them before applying Roof Maxx. Insurance companies will want assurance that your roof is in safe condition.

Apply Roof Maxx:
Once your roof is deemed suitable, Roof Maxx technicians will apply the treatment. This process is quick and typically takes just a few hours.

Document the Process:
Keep detailed records of the Roof Maxx treatment, inspection reports, and any necessary repairs. This documentation can be valuable when negotiating with insurance companies.

Shop for Insurance:
Armed with a rejuvenated roof and documentation of the Roof Maxx treatment, start shopping for homeowners insurance.

Work with an independent insurance agent who can help you find the best policy for your needs.


Securing homeowners insurance with a bad roof can be challenging, but it's not impossible. Roof Maxx offers a viable solution by rejuvenating your roof, extending its lifespan, and potentially improving your chances of obtaining insurance coverage. Remember that Roof Maxx is not a guarantee of insurance approval, but it can significantly enhance your home's insurability while saving you money in the long run. Protecting your home and investment starts with a sound roof, and Roof Maxx might just be the answer you've been looking for.

Full Roofmaxx testimonial transcript:

My name is Dennis Gurgone and I  built this home. I've been diligent about trying to take care of the property. About a year and a half ago, I did some investigation and I realized that the roofmax product was a small percentage of cost of replacing the roof. They came out, they did a roof assessment, made a determination that my roof was in pretty good shape, be in a lot better shape. Assuming that I had the roof max done and extended the life, the we did the application.I'm completely satisfied with the condition of the roof and the appearance of the roof. Over about the last six months to a year, we were notified as property owners that our insurance said that it was too old and they weren't going to insure me. And I questioned their ability to make that judgment call. Their determination was made based on calendar, not upon condition. I went back to Roofmax and they sent an individual out here to do a comprehensive test.Test was done to show that my roof was in good shape and did have a substantial life left. I found my way to the head of the underwriting division for the insurance company, explained my circumstance. He had, I guess, enlightened himself by reviewing the documents that were sent. He expressed confidence in the roofmax product. He was very cognizant of the fact that Roofmax was in business, and he was also well aware of the product and what it represented, and that they would make a decision based on the capabilities of the product.He made a call, and the call was, we feel very comfortable with the fact that we should continue to insure this property. So, basically, in conclusion, I have insurance, I have a roof that should perform. And if everything goes as planned, I will face the roof exchange at the time that it should be done, not at the time that someone decided it should be done. This is a product that works and a product that's worthwhile to make the investment in.
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