Is Roof Maxx Accepted By Insurance Companies?

Updated on : November 20, 2025
A Roof Maxx dealer sprays the treatment onto a customer's roof

Summary

Roof Maxx doesn’t void most homeowner insurance policies because it preserves the structure of your roof instead of altering it. Regular applications can even help maintain or improve insurance rates by extending the life of your roof and showing proof of consistent upkeep. It can also help reduce the need to file claims over the years because a treated roof is more weather-resistant. This keeps your premiums low because insurers typically increase their rates in response to a high volume of claims.
Time to Read
  • About 7–9 minutes
What You’ll Learn
  • If Roof Maxx is accepted by insurance companies
  • How Roof Maxx can help you get a better rate
  • Why Roof Maxx reduces the need for claims
  • How one homeowner kept their coverage with Roof Maxx
  • How to confirm what your policy or warranty covers
Next Steps
  • Review your home insurance policy
  • Contact your provider to confirm if Roof Maxx is covered
  • Schedule a Roof Maxx treatment for your asphalt shingle roof
Woman protecting a small model of a house with her hands
Woman protecting a small model of a house with her hands

Is Roof Maxx Accepted By Insurance Companies?

A Roof Maxx treatment can help your asphalt shingles last for up to five years, and you can repeat it up to 3 times. That’s the kind of benefit any homeowner can get behind, but it makes sense to confirm whether it will affect your home insurance policy before you proceed.

 

Below, you’ll learn why Roof Maxx not only shouldn’t void your current insurance policy but also just might help you get even better rates in the future. We’ll also look at the many ways Roof Maxx can reduce the need for claims by extending the lifespan of your roof.

Why Roof Maxx Doesn’t Void Most Home Insurance Policies

Roof Maxx is an all-natural roof rejuvenation solution that works by restoring the flexibility and durability of your roof’s shingles. Unlike most roof coatings, it is 100% compatible with asphalt shingles and doesn’t involve altering any core components, so it shouldn’t void your home insurance policy.

 

In fact, some insurers give it a thumbs up because:

  • Using Roof Maxx shows them you’re doing everything you can to extend the life of your roof. Insurance companies want you to be proactive like this instead of just waiting for a failure.
  • Roof Maxx is eco-friendly, safe, and non-invasive. It won’t harm your roof, home, pets, kids, or even the environment.
  • No construction work means less risk of accidental damage. Roof Maxx treatment. Many insurers won’t cover damage caused by pros and will tell you to file with your roofer instead.

All of that said, it is still essential to confirm exactly what your policy covers and whether they have any specific clauses for roof restoration. We recommend contacting them directly to ask.

A Roof Maxx dealer sprays the treatment onto a customer's roof.
A Roof Maxx dealer sprays the treatment onto a customer's roof.

3 Ways Roof Maxx Might Help You Get Better Insurance Rates

In addition to being insurance-friendly, having your roof treated with Roof Maxx could also raise the chances of you keeping your policy or getting a better rate. 

 

The reasons have to do with the way most providers operate:

  • Insurers often offer discounts or lower premiums for homeowners who invest in regular roof maintenance. They may reward you for taking action on your own.
  • With most companies, filing a claim drives your premiums up. Since Roof Maxx helps lower the need for claims, it could help you avoid paying higher prices for insurance in the future.
  • Older homes can be harder to insure, but many insurers understand how Roof Maxx works and recognize the benefits. This might give you the extra push you need to get a better rate.

A healthier roof means fewer repairs, better energy efficiency, and stronger resale appeal down the road, but insurers also just value reliability and long-term upkeep in general. So, when you choose a roof rejuvenation solution like Roof Maxx, you’re doing your part.

Case Study:

Dennis Gurgone used Roof Maxx to protect the shingles on his home. Years later, his insurance company canceled his homeowner’s insurance because they determined that his property was too old. 

 

Dennis disagreed because he knew Roof Maxx had extended the lifespan of his shingles. So, he contacted us, and we sent an independent auditor out to test his roof. 

 

When the tests showed that Roof Maxx had kept his shingles in excellent condition, he forwarded the results to the head of the underwriting division at his insurance company. They expressed confidence in the product and decided the company would continue insuring Dennis’s property.

 

Learn more about Dennis’s story by watching the video below:

Optimizing Your Home with Roof Maxx

Treating your shingles with Roof Maxx offers long-term benefits that go way beyond just helping your roof last longer. 

 

It also makes your shingles flexible again so they can:

  • Expand and contract with the weather
  • Bend instead of cracking or breaking
  • Lose fewer granules over the years

For all of these reasons and more, having your roof treated reduces the risk of more extensive repairs or even total roof replacement down the road. That means you’re less likely to find yourself forced to live through a life-disrupting roof replacement or costly shingle repairs.

 

There are environmental benefits, too. By reducing the need for replacement, Roof Maxx helps keep roofing materials out of the landfill longer. That means you’re lowering your ecological footprint.

Benefits of Roof Maxx At a Glance

Benefit What It Does Why It Matters
Extends the life of your roof Each treatment adds up to five years of life. Repeat up to 3 times to get up to 15 years. Helps you put off a costly replacement until it’s absolutely necessary.
Doesn’t void most home insurance policies The treatment is sprayed on. No structural changes helps reduce the risk of damage. Lets you maintain your roof without jeopardizing your coverage.
Improves shingle flexibility Making shingles flexible again helps them respond better to the weather and moisture. Helps your roof resist harsh weather and impact damage.
Prevents granule loss Reduces the number of granules your shingles lose over time. Slows down wear and tear and prevents bald spots.
Quick application process Roof Maxx can typically be applied in 2-3 hours in mild weather. Minimizes any disruption to your life so you can get back to enjoying your home.
Eco-friendly Restores your shingles without harming the environment. Protects the earth and keeps shingle waste out of the landfill.
A branded van showing Roof Maxx's new, updated logo for 2025
A branded van showing Roof Maxx's new, updated logo for 2025

Get Proactive about Maintaining Your Roof & Homeowner’s Coverage

Don’t wait until your roof is on its last legs to take action. Take steps to incorporate Roof Maxx treatments into your home maintenance plan now so you can keep your roof in top condition, reduce the chances of insurance claims, and potentially even lower your premiums.


Your home is a big investment, and proactively maintaining your roof is one of the best ways to protect it without jeopardizing your policy. Talk to your insurance provider to confirm the benefits of restoration, then find a dealer in your area to get a free quote!

Frequently Asked Questions About Roof Maxx and Home Insurance

How can I confirm Roof Maxx is covered under my policy?

Start by reviewing your policy documents. You can usually find these online if you no longer have a copy or can’t find the paper version. You can also ask your insurer to send you a full copy.

 

Look for exclusions with words like:

  • Roof modifications
  • Chemical treatments
  • Roof treatments
  • Maintenance and care

If you don’t see Roof Maxx explicitly listed, you’re probably good to go, but you can always ask your provider for a more direct confirmation.

A few simple records can protect you if questions come up later.

 

  • Save your invoice and any documentation from your Roof Maxx dealer.
  • Take before-and-after photos showing the condition of your roof.
  • Record the treatment date and dealer contact information. 
  • Keep a copy of your Roof Maxx 5-Year Warranty on hand.

These records demonstrate consistent upkeep if you ever need to file a claim for reasons like storm damage, impact damage, or sudden failures.

Start by checking any roof or home inspection paperwork for brand names or installer details.

 

If you can’t find it: 

  • Try asking the previous owner or the realtor who sold you the home.
  • Contact the shingle manufacturer or local roofing companies and give them your address.
  • Check with the city to see if they can locate any building permit records for your house.

Even if it takes a few calls, it’s still worthwhile to track it down.

You can usually appeal their decision as long as you have proper documentation. It’s best to speak with a lawyer before you do this to confirm your options.

 

Once you do, you can:

  • Ask for a written explanation of why your roof was flagged.
  • Schedule a professional roof inspection so you have an up-to-date report.
  • Consider a Roof Maxx treatment to restore the flexibility of your shingles.

Submit the inspection results and treatment records to your insurer for review. Sometimes, showing them evidence that your roof is fit is enough to get them to reconsider the decision.

Share this post
Facebook
LinkedIn
X
Reddit
Tumblr
Threads
Email
Print
Picture of Catiria Oliver
Catiria Oliver
Cat brings thoughtful, forward-thinking execution to every project she touches. She helps shape Learning Hub articles that support homeowner trust and business growth—always with clarity, consistency, and a sharp eye for detail. Outside of work, she’s passionate about great food, animals, and music—bringing creative energy to everything she does.
Stay ahead of home repairs and protect your investment
Subscribe now for expert roofing and maintenance tips straight to your inbox!

Five Year Transferable Warranty

With our five-year, transferable warranty, you’ll enjoy the peace of mind that your roof and entire home are protected.

Stay ahead of home repairs and protect your investment
Subscribe now for expert roofing and maintenance tips straight to your inbox!