Your insurer judged your roof from a satellite. Answer with proof.

Upload your non-renewal letter. In about ten minutes, Roofd checks the photo and the reason against your state's rules, drafts your appeal, and tells you what evidence to send.

Check your notice

Start your appeal

Free to check. No account needed.

Most homeowners never push back.

Insurers send these letters by the thousands. Very few people answer them, even though the rules are increasingly on their side.

2×

Texas insurers nearly doubled their non-renewal rate between 2020 and 2023.

KUT, May 2025
~12

complaints about aerial photos were filed with Texas regulators from 2023 to May 2025.

KUT, May 2025
18

states now limit how insurers use aerial photos, with Georgia's law starting January 1, 2027.

Nearmap tracker

What we look for in your letter

Most notices give a short reason and a deadline. Each phrase can be tested against a rule.

Front Range MutualPersonal Lines UnderwritingOctober 20, 2026
Policy HO-4471-2093

Notice of Non-Renewal

Your homeowners policy will not be renewed and will expire at 12:01 a.m. on December 19, 20263.

Reason: A review of aerial imagery of your property1 indicates roof surface deterioration including discoloration2 and granule loss. The roof condition does not meet our underwriting guidelines.

If you have questions about this notice, contact your agent or the Colorado Division of Insurance.

  1. The photo was taken July 2, 2025.That's 15.6 months before this notice. Colorado's bulletin says insurers should use images no more than 12 months old. In your favor.
  2. Discoloration is cosmetic.Colorado says cosmetic findings alone can't be the reason to drop you. A roofer's written report settles it. In your favor.
  3. You have 44 days.Send the appeal this week and ask for a physical inspection before any final decision.

Sample notice. The homeowner and insurer are fictional.

From letter to appeal in three steps

You review everything and send it yourself, or have us send it for you.

Roofd results for a sample Colorado case: a strong case, 44 days left, and two rules in the homeowner's favor
  1. 1

    Upload your notice

    A PDF or a phone photo. We pull out the reason, the dates and whether an aerial image was used.

  2. 2

    Confirm the details

    Check what we found. Your state and the reason decide which rules apply.

  3. 3

    Get your appeal

    See where you stand, download a letter that cites the rules, and work through the evidence checklist.

What's in your appeal

Every letter is built from your notice and your state's published rules. Nothing generic, nothing you have to look up.

  • The rules that apply, by nameBulletin numbers and statutes your insurer has to answer to.
  • A request for the imagesEvery photo they used, with the date each was taken.
  • A request for an inspectionA person on the ground before any final decision.
  • Your evidence, listedRoofer's report, photos and receipts, attached as enclosures.
  • A copy to your regulatorSo the insurer knows the state is watching.
Dana Whitfield1418 Bear Creek Ln, Evergreen, CORe: Policy HO-4471-2093

To the Underwriting Department:

I am writing to dispute your notice of non-renewal for the policy above and to ask that you rescind it. I have been your customer for 6 years.

1. The image you relied on appears to be dated July 2, 2025, roughly 16 months before your notice. Under Division of Insurance Bulletin B-5.57, images used for this purpose should be no more than 12 months old.

2. Discoloration is cosmetic and does not show material damage. Colorado guidance states that cosmetic conditions alone may not support this action. I have enclosed a licensed roofer's assessment.

3. If any question about my roof remains, I ask that you complete a physical inspection…

Regulators are on your side. Your letter should say so.

Since 2024, state after state has told insurers they can't drop a home over an old or blurry photo, or over stains that don't mean damage. Insurers rarely mention these rules in their notices.

20243 states
  • Connecticut stains alone aren't enough
  • Pennsylvania chance to fix first
  • Louisiana images under 24 months
202510 states
  • New Hampshire inspection if disputed
  • Massachusetts disputes must be reviewed
  • Maryland, Michigan, North Carolina share the images
  • Rhode Island images under 15 months
  • Alabama, Maine, West Virginia, Tennessee
20264 states
  • Colorado images under 12 months
  • Kentucky dated images, 12 months
  • Indiana 60 days to fix
  • Vermont images under 24 months
2027Starts Jan 1
  • Georgia dated images must come with the notice, and 60 days to fix

Compiled from state bulletins and laws as tracked by Nearmap, as of November 2026.

"Mold and algae" on the roof, from aerial footage. An inspector found none. She spent $42,000 appealing and was still dropped.

San Francisco · ABC7

"Debris hazard, not on roof," with an arrow that pointed at nothing in particular.

Castro Valley · ABC7

Two months to trim the branches or lose coverage. The trimming cost $3,000.

Austin · KUT

Check for free. Pay only if you want us to send it.

No subscriptions and no success fees. Reserving the kit is free, and nothing is charged until it launches in your state.

Do it yourself

$0

For homeowners comfortable sending their own letter.

  • Rule check for your state
  • Appeal letter, ready to download
  • Evidence checklist
Start your appeal

Appeal kit

$39one time

For homeowners who want it handled. Opening first in Florida, Colorado and Georgia.

  • Everything in Do it yourself
  • A person reviews your letter before it goes out
  • Sent to your insurer by certified mail
  • Deadline reminders and a regulator complaint if they don't answer

Reserve your appeal kit

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Free to reserve. We'll only email you about your kit.

What we help with

  • Non-renewals and cancellations that cite your roof or yard
  • Decisions based on aerial, drone or satellite photos
  • Demands to repair or replace a roof
  • Roof-age decisions in Florida

What we can't help with yet

  • An insurer leaving your state or ZIP code entirely
  • Non-renewals over claims history or credit
  • Denied claims after a loss (a public adjuster can help)
  • Lawsuits or bad-faith disputes (talk to an attorney)

Questions

Is this legal advice?

No. Roofd is not a law firm or an insurance agency. We draft a letter from public rules for you to review and send yourself. For complex cases, talk to a licensed attorney or public adjuster, or your state insurance department.

Can an insurer really drop me over a satellite photo?

Often yes, but many states now limit it. Some say the photo must be recent, that stains alone aren't enough, or that you get time to fix the problem first.

My coverage ends soon. What should I do first?

Send your appeal right away and ask for a physical inspection. Start shopping for backup coverage at the same time, so you're never uninsured.

Will appealing make things worse with my insurer?

Asking for the reason, the images and an inspection is your right in every state. A clear, polite letter with evidence is the normal way to do it.

What happens to my letter?

We use it only to build your appeal. We don't sell your information or share it with insurers.

Does it work in my state?

Every state lets you ask for the specific reason and complain to the insurance department. We've mapped detailed aerial-photo rules in 24 states so far.

The rules say you can push back. Start with your letter.

Start your appeal