Florida homeowners are losing coverage over dirty roofs and deferred exterior maintenance. Check each item on this list, see your readiness score, and know exactly what to fix before an inspector shows up at your Naples home.
Go through each item below and mark whether your home currently passes or fails that inspection point. Florida insurance inspectors check all of these. Your score updates live as you go.
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Mark items above to see your score
Florida insurance inspectors check all 10 of these points. A single failure can trigger a non-renewal notice.
📷 What Florida Insurance Inspectors Actually Look For
Roof · Gutters · Exterior · Drainage
Florida insurance inspectors conducting roof and exterior assessments are looking for evidence of deferred maintenance — signs that a homeowner has allowed biological growth, structural deterioration, or drainage issues to go unaddressed. The following comparison shows exactly what passes and what triggers a non-renewal notice.
✅ Passes Inspection
Roof clean, no visible algae or staining
Gutters clear, flowing properly
No missing, cracked, or lifted tiles
Fascia and soffits intact, no rot
Exterior stucco clean, no biological growth
Written professional cleaning documentation on file
Drip edge and flashing intact
No visible moss or lichen on any surface
❌ Triggers Non-Renewal Risk
Black algae streaks or green patches on roof
Gutters overflowing, full of debris
Missing, cracked, or displaced tiles
Rotting fascia or damaged soffits
Algae or mildew on exterior walls
No cleaning history or documentation
Damaged or missing flashing
Moss or lichen growth anywhere on structure
Written Documentation Matters
Naples Pressure Washing provides written service documentation after every job — date of service, method used, and products applied. Most Florida insurance carriers accept this as proof that biological growth issues have been professionally resolved. Keep this documentation with your policy records.
❓ Frequently Asked Questions
Insurance Inspections · Naples FL
Can cleaning my roof really save my homeowner insurance?
In most cases, yes. Florida insurance carriers issuing non-renewal notices for algae growth will typically accept professional cleaning documentation as proof the issue has been resolved. We provide written service documentation after every soft wash roof cleaning for exactly this purpose.
How much notice do I get before an insurance inspection?
Often none. Florida insurance companies frequently conduct drive-by exterior inspections and aerial photography reviews without notifying the homeowner. This is why staying ahead of the inspection window matters more than reacting to a notice.
How quickly can Naples Pressure Washing schedule a cleaning?
We prioritize homeowners who have received insurance notices or have an imminent renewal date. Call 239-544-1165 and let us know your situation. Free on-site quotes only — we will schedule as quickly as possible.
Is soft wash the only method accepted by insurance companies?
Insurance companies care about results — a clean roof and professional documentation. Soft wash is the correct method because it kills algae at the root and produces lasting results. High-pressure washing can actually create new problems by damaging tile and removing protective granules, which themselves can be flagged.
What does soft wash roof cleaning cost in Naples?
Single-story homes start at $299. Two-story homes start at $399. We are consistently 15 to 30 percent less than the competition. Free on-site quotes — call 239-544-1165.
