Commercial Roofing: What Makes A Roof Uninsurable?

Commercial Roofing: What Makes A Roof Uninsurable?

Commercial roofing is a major part of any building, providing protection from the elements and securing the safety and integrity of the structure. But not all commercial roofs are insurable and understanding what makes a roof uninsurable is important for property owners and managers. From material degradation to poor installation, several issues can compromise the insurability of a commercial roof.

Material Degradation and Wear

One of the main things that can make a commercial roof uninsurable is material degradation over time. Exposure to sunlight, moisture, and temperature fluctuations can cause roofing materials to deteriorate, leading to cracks, leaks, and structural weaknesses. 

Common roofing materials like asphalt, single-ply membranes, and metal can all degrade over time, particularly if not properly maintained. When the condition of the roofing material becomes compromised to a certain extent, insurers may deem the roof uninsurable due to the heightened risk of damage and liability.

Poor Installation and Workmanship

Another thing that can render a commercial roof uninsurable is poor installation and workmanship. Even high-quality roofing materials can fail to perform as intended if they are not installed correctly. 

Things like improper sealing, inadequate flashing, and inconsistent application of materials can compromise the integrity of the roof and increase the likelihood of leaks and other problems. Insurers may consider roofs with a history of poor installation or workmanship to be uninsurable due to the elevated risk of costly repairs and claims.

Structural Deficiencies and Damage

Structural deficiencies and damage are big concerns that can affect the insurability of a commercial roof. Over time, things like heavy snow loads, windstorms, and seismic activity can cause structural damage to the roof deck, support beams, and other components. 

Also, inadequate ventilation and drainage systems can worsen the problem by promoting moisture buildup and rot. Insurers may deem roofs with structural deficiencies or damage to be uninsurable due to the increased risk of collapse or failure during adverse weather conditions.

Lack of Maintenance and Regular Inspections

A lack of maintenance and regular commercial roof inspections can also contribute to making a commercial roof uninsurable. Proper maintenance is necessary for preserving the condition of the roof and addressing minor issues before they escalate into bigger problems. 

Regular inspections by qualified roof consultants can identify potential issues like leaks, deteriorating materials, and drainage problems, allowing property owners to take corrective action promptly. Insurers may view roofs that have been neglected or are not regularly inspected as uninsurable due to the heightened risk of preventable damage and costly claims.

Types of Commercial Roofs and Insurability

The type of commercial roof can also impact its insurability. Different roofing materials and systems have varying lifespans, durability, and maintenance requirements, which can affect their risk profile in the eyes of insurers. 

For example, built-up roofing (BUR) systems are known for their durability and longevity but may require more frequent maintenance compared to newer roofing materials like single-ply membranes or spray foam. Insurers may assess the insurability of a commercial roof based on things like its age, condition, and compatibility with the building’s structure and environment.

Reliable Solutions for Uninsurable Roof Challenges

Roofs deemed uninsurable can pose risks and complications for property owners. At Stone Building Solutions, we specialize in addressing the unique challenges associated with uninsurable roofs. Our experts conduct full evaluations to identify the underlying issues and develop customized strategies to restore insurability. 

From structural reinforcements to material upgrades, we come up with reliable solutions that comply with industry standards and insurance requirements. Don’t let an uninsurable roof jeopardize your property’s security – call 407-663-5312 or email us at to explore reliable solutions to fit your needs.