How Roof Preservation Could Help Your Policy

Your roof is one of the most important investments in your home, and keeping it in good condition with regular maintenance is essential for protecting your home and getting the most life out of it as possible. But did you know that roof preservation could actually impact your homeowner’s insurance? 😯 In some cases, roof preservation treatment could help transition your roof’s insurance coverage from ACV (Actual Cash Value) to RCV (Replacement Cost Value), saving you thousands if a claim is ever needed! 🤑

We know that homeowner’s insurance can be confusing. That’s why, as your friendly Insurance Expert, NANOROOF™ Alabama is here to help! In this guide, you’ll gain valuable insight into how roof insurance coverage works and what you can do to potentially maximize your coverage. Let’s get into it!

📄 Understanding ACV vs. RCV Coverage

When you file an insurance claim for your roof, your policy will typically cover either:

• RCV (Replacement Cost Value): Covers the full cost of replacing your roof, minus your deductible.

• ACV (Actual Cash Value): Covers the depreciated value of your roof, meaning you’ll receive less money based on its age and condition.

Many insurance companies begin to move older roofs from RCV to ACV coverage once they reach around 10-15 years old (depending on the insurer and material type). This means if your roof is damaged, you could be left paying a significant portion out of pocket (and it’s no secret that roofs are expensive!). However, proactive maintenance such as a roof preservation treatment can sometimes persuade your insurance provider to provide discounts as well as keep or even transition your coverage back to RCV.

🤔 What is Roof Preservation?

To put it simply, roof preservation is a new technology within the roofing industry developed and designed to seal and protect roof shingles, extending the lifespan of the roof as an alternative to roof replacement (if the roof qualifies for treatment). Around 80% of asphalt roofs are replaced prematurely and asphalt shingles contribute to around 6,000 KG of CO2 produced when they are dumped in landfills left to decompose for 300 years (big yikes!).

With the power of nanotechnology, NANOROOF™ Alabama utilizes an eco-friendly silicone sealant SPS that:

✔️ Permeates shingles & restores flexibility
✔️ Strengthens and locks in granules
✔️ Creates a hydrophobic barrier, repelling moisture
✔️ Shields against UV rays
✔️ Protects from algae & moss growth
✔️ Extends the life of the roof by 10-15 years
✔️ Is a fraction of the cost of roof replacement
✔️ Comes with a 10 Year Transferable Warranty

At the end of the day, roof preservation saves your wallet, helps reduce carbon emissions, AND can be seen as great preventative maintenance to insurance companies!

✅ How Roof Preservation Can Help Your Insurance Policy

Roof preservation involves taking preventative measures to extend the lifespan of your roof, keeping it in good condition for longer. Insurance companies want to see that a roof is well-maintained and less likely to fail, making it a lower risk for claims. Here’s how roof preservation can work in your favor:

1. Shows Ongoing Maintenance & Prevents Premature Aging

• Insurance companies favor homeowners who take care of their roofs because it lowers the likelihood of expensive claims.

• Applying roof preservation treatment (such as NANOROOF™ Alabama’s nanomaterial sealant ) helps lock in shingle granules and prevent UV and moisture damage, extending the roof’s life.

• Regular maintenance—like cleaning debris, fixing minor leaks, and replacing damaged shingles—demonstrates responsible ownership.

2. Helps Your Insurance Company Reconsider Coverage

• If your roof is nearing the age where it would switch to ACV, documentation of roof preservation could help negotiate an extension of RCV coverage.

• Some insurers may require proof that a roof is still structurally sound and not at high risk for failure. Preservation efforts could provide this proof.
  

3. Could Lower Your Insurance Premiums

• Some insurance companies offer discounts for homeowners who take proactive steps in maintaining their roofs.

• Demonstrating that your roof is in top condition might help keep your premium rates from rising.
  

📸 How to Best Document Your Roof Preservation

If you want to negotiate with your insurance provider to extend RCV coverage, it’s crucial to keep detailed records of your roof’s maintenance and preservation efforts. Here’s how:

1. Take Before & After Photos

Make sure you let your roofer know that you need good before & after images. Capture clear, time-stamped images of your roof before and after any preservation treatments or repairs. Show detailed close-ups of shingles, flashings, and gutters.

NANOROOF™ Alabama uses drone technology to take before & after images of each roof preservation we complete so you can see the difference this treatment can make!

2. Keep Receipts & Maintenance Records

Save invoices and receipts from any professional roof maintenance services, including sealant applications, inspections, and repairs. If you perform minor maintenance yourself, log the date and action taken (e.g., “Cleaned roof and removed debris – February 2025”).

When you schedule a roof preservation with us, NANOROOF™ Alabama also washes your roof, removes debris, and makes any necessary minor repairs to your roof to ensure that your roof is well maintained before applying the preservation treatment.

3. Get Professional Roof Inspections

Have a licensed & certified roofing contractor, like NANOROOF™ Alabama, inspect your roof and provide a written assessment. A professional inspection report showing that your roof is in great condition can support your case for extended RCV coverage.

4. Provide Documentation to Your Insurance Provider

If your insurer is considering switching your coverage to ACV, submit your collected preservation documentation along with your proof of warranty to request a policy review. A well-maintained roof backed by evidence can help prove its longevity and continued reliability.

The Bottom Line

Roof preservation is more than just a way to extend the life of your roof—it can also save you money on insurance. By taking proactive steps like conducting regular maintenance and repairs, applying a roof preservation treatment, and keeping thorough documentation, you may be able to convince your insurance provider to maintain or reinstate RCV coverage instead of switching to ACV.

Of course, there are no guarantees and every insurance company is different, but there’s a chance it could work in your favor! Regardless, with roof preservation you are able to rest easy knowing you are maximizing the years of life out of your roof and saving thousands at the same time.

Whether you are looking to get some preventative maintenance & repairs done on your roof, a roof preservation treatment, a full roof replacement, or just need some insurance guidance, NANOROOF™ Alabama is here for YOU to Cover What Matters Most!