Why Algae on Your Roof Could Cost You Your Insurance—and How Napa Valley Steaming Can Help
- James Hicks
- May 20
- 2 min read
California homeowners are facing a new and unexpected threat—not from wildfires or earthquakes, but from their own roofs. Increasingly, insurance companies are canceling or refusing to renew homeowner policies due to algae growth and discoloration on rooftops. Yes, you read that right: a little green on your shingles could put your coverage in jeopardy.
Why Are Insurance Companies Cancelling Policies?
In an effort to reduce risk, many insurers are conducting visual inspections of homes, often via aerial imagery or in-person evaluations. One of the red flags they're looking for? Dark streaks or green patches on rooftops. These are often caused by algae, moss, or lichen, which thrive in damp environments—especially in the shaded and coastal areas of California.
Insurers argue that algae and moss can compromise the integrity of the roof, shorten its lifespan, and increase the risk of leaks or structural damage. And if your home shows signs of neglect—however superficial—it can be enough for underwriters to pull the plug.
The Cost of Ignoring Your Roof
A canceled policy doesn’t just mean you’re suddenly uninsured. It can lead to:
Difficulty finding new coverage
Higher premiums from new providers
Limited options for insuring your home
Problems with your mortgage lender, which may require continuous coverage
The good news? You don’t have to replace your roof. You just need to clean it—and that’s where Napa Valley Steaming comes in.
Napa Valley Steaming: Your Roof’s Best Defense
Napa Valley Steaming specializes in soft washing—a gentle but highly effective method of cleaning algae, mold, and grime from roofs without causing damage. Unlike high-pressure power washing, soft washing uses eco-friendly solutions and low-pressure rinsing to safely restore your roof’s appearance and protect its structure.
Benefits of Soft Washing:
Removes algae, mold, mildew, and moss
Extends the life of your roof
Enhances curb appeal and home value
Helps you maintain or reinstate homeowners insurance
A Small Investment for Big Peace of Mind
Don’t wait until your insurance company sends a warning—or worse, a cancellation notice. Regular roof maintenance is not only smart homeownership, it’s becoming a necessity in today’s insurance climate.
Napa Valley Steaming offers professional, affordable roof soft washing services throughout the Napa Valley and surrounding regions. With proven results and a commitment to customer satisfaction, they’re your first call in protecting your roof—and your insurance policy.
Contact Napa Valley Steaming today for a free estimate and roof inspection. Keep your home clean, your insurance secure, and your peace of mind intact.
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