There isn’t a published industry-wide list of insurers that require roof cleaning, because these decisions are usually made on a case-by-case basis after inspections, aerial imagery, or underwriting reviews. However, homeowners have reported receiving roof maintenance or cleaning requests from a number of major insurers, particularly in states with high storm risk.

Companies that may issue roof maintenance or cleaning requirements include:

• State Farm
• Allstate
• Farmers Insurance
• Nationwide
• American Family Insurance
• Travelers
• Security First Insurance
• Florida Peninsula Insurance
• Citizens Property Insurance Corporation (typically through inspection requirements rather than a blanket roof-cleaning rule)

These companies generally do not have a standing policy that every customer must clean their roof. Instead, they may require it if:

• An inspection or aerial image shows algae, moss, mold, or heavy debris.
• The roof appears poorly maintained.
• They cannot determine the roof’s condition because staining or debris obscures it.
• The property is being inspected before a new policy or renewal.

In Florida

Florida insurers have become especially proactive about roof maintenance because of hurricane risk and the high cost of roof claims. It’s common for insurers to use satellite or drone imagery to identify roofs that may need attention. A roof-cleaning request does not necessarily mean your roof is damaged; it may simply be a condition for continuing coverage.