Is Your Roof Covered? Why Dirty Tile Roofs Can Jeopardize Insurance in South Florida

Fort Lauderdale homeowners and insurance agents take note — mold, moss, and those ugly black roof streaks aren’t just cosmetic problems. In South Florida, they can cost homeowners their insurance coverage.

At Eddy's Pressure Wash, we specialize in soft wash tile roof cleaning for homeowners flagged by insurance companies, and we’re here to help protect both your property and your policy.

Why Are Insurance Companies Flagging Dirty Roofs in Florida?

Insurance providers in South Florida are under more pressure than ever. Increased storm activity, higher claim rates, and aging roofs mean insurers are tightening the rules.

If your tile roof shows signs of:

• Mold or mildew

• Algae growth

• Moss or black streaks

• Discoloration or staining

…it could trigger a non-renewal notice or inspection failure.

Insurers are looking for:

• Structural integrity

• Moisture retention risk

• Visual signs of neglect

Translation: If your roof looks like a liability, they may assume it is one — and drop your policy.

What’s Growing on Your Roof? (And Why It Matters)

In humid areas like Fort Lauderdale, Plantation, Pompano Beach, and Coral Springs, roofs are constantly exposed to moisture, shade, and salt air — the perfect recipe for:

• Gloeocapsa magma (black algae)

  Eats away at roof materials and creates black streaks.

• Moss

  Retains water, leading to tile cracks, shifting, and underlayment damage.

• Lichen

  A combo of algae + fungus = double the trouble.

• Mold

  Spreads under roof materials and can work its way into the attic.

These contaminants degrade your tile, reduce the lifespan of your roof, and create red flags during inspections.

Soft Wash Roof Cleaning: The Insurance-Safe Solution

You might think pressure washing is the answer — but high pressure can crack tiles, void warranties, and cause more harm than good.

Instead, we use the soft wash method, which:

• Applies a low-pressure rinse (less force than a garden hose)

• Uses eco-safe detergents to kill mold and algae at the root

• Leaves your tile roof looking new — with no damage

Soft wash is the only method approved by roof tile manufacturers, HOAs, and most insurance carriers.

When Should You Clean Your Roof in South Florida?

Most homes in Broward County should have their roofs cleaned every 12 to 18 months.

But if you’ve received a letter from your:

• Insurance company

• HOA

• Roof inspector

…you likely have 30 days or less to clean and document your roof.

That’s why we offer 48-hour turnaround on insurance-driven cleanings.

For Insurance Agents & Inspectors: Partner With a Pro You Can Trust

If you’re an insurance agent, adjuster, or home inspector, you’ve likely seen how roof condition can delay or cancel policy renewals.

Partner with Eddy's Pressure Wash to:

• Get your clients compliant in 48 hours

• Receive before/after photos for your records

• Work with a fully insured, locally trusted vendor

• Avoid claims or cancellations due to preventable roof neglect

We’ll take care of the dirty roof — you keep the client insured.

Serving All of Broward County

We proudly clean roofs in:

• Fort Lauderdale

• Hollywood

• Coral Springs

• Pompano Beach

• Plantation

• Weston

• And surrounding neighborhoods

Need Roof Cleaning Before Insurance Renewal? We’ve Got You.

Whether you’re a homeowner trying to avoid cancellation — or an insurance agent who wants a trusted cleaning partner — we’re here to help.

Call or text Wayne at Eddy's Pressure Wash today: (954) 807-1223

Or schedule your free roof inspection now.