How Roof Treatments Affect Home Insurance: What Homeowners Should Know

Your roof is one of the first things insurers consider when assessing the risk of your home. A well-maintained, durable roof protects against hail, wind, fire, and water — the same perils most insurance policies cover.

But if your roof is old or in poor condition, you may face higher premiums, exclusions, or even claim denials.

This is where GoNano treatments come in: they don’t just extend the life of your roof — they can also make it more attractive to insurers.

👉 Want to know if your roof qualifies?
Book your free roof insurance consultation →

Why Insurers Care About Your Roof

Age & Condition Matter

• Many insurers penalize roofs over 15–20 years old with higher premiums or limited coverage.

Neglect vs. Sudden Damage

• Insurance covers sudden, accidental damage (hail, wind, fire), not gradual wear.
• If shingles fail because they’re brittle or worn, a claim can be denied.

Risk Profile

• A stronger, well-maintained roof = fewer claims.
• Fewer claims = something every insurer wants.

How GoNano Treatment Decreases Risk

Independent testing confirms that treated shingles:

• Resist hail: Entry-level shingles passed Class 3 and Class 4 hail impact tests.
• Withstand wind: Passed 110 mph wind uplift tests.
• Maintain fire safety: Retained a Class A fire rating, the highest possible.
• Repel water: Hydrophobic barrier reduces leaks and freeze–thaw cracking.

✅ In short: treatment reduces the likelihood of a claim.
A roof that’s less likely to leak, blow off, or shatter under hail is safer for both homeowner and insurer.

👉 See how GoNano improves roof performance.

Recognition From Insurance Companies

As GoNano’s testing and adoption expand, more insurers are beginning to recognize the reduced risk. In some cases, insurance companies are:

• Offering discounts for treated roofs
• Removing penalties for older roofs that have been treated
• Extending coverage where they’d normally exclude an aging roof

📈 This trend is expected to grow as third-party testing and case studies continue to accumulate.

How Exceptional Surfaces Edmonton Ltd. Supports Homeowners

Choosing the right treatment is only part of the process — having the right partner matters.

At Exceptional Surfaces Edmonton Ltd., we take a complete approach:

• Thorough Assessments: Each roof is carefully evaluated before treatment.
• Preparation & Care: Small issues can be fixed first, ensuring the best results.
• Clear Documentation: We provide records of treatment and expected benefits, backed by independent testing.
• Added Confidence: Proactive maintenance + improved roof performance = stronger standing with insurers.

👉 By showing your insurer you’ve invested in preventive protection, you gain peace of mind for both your home and your coverage.

Get your treatment →

Final Thoughts

Insurance doesn’t cover neglect — but it does cover sudden, unavoidable damage.

By extending the life and performance of your shingles, GoNano treatments:

• Lower the risk of costly failures
• Reduce insurance disputes
• May even lower premiums

At Exceptional Surfaces Edmonton Ltd., we don’t just apply a product — we help homeowners demonstrate their roof’s resilience to insurers.

✅ More protection for your home, your budget, and your peace of mind.