Roof Condition and Insurance Declines: TDI’s ZIP Tool

The short answer

If your East Texas home insurance was declined, canceled, or not renewed, roof condition is one of the reasons companies can cite. The Texas Department of Insurance (TDI) now publishes a ZIP-code tool that shows how often insurers used each reason in your area — including “condition of property,” which TDI says covers issues such as roof condition, maintenance, occupancy, vacancy, tree overhang, and insufficient defensible space. Use the tool to see what's common near you, then fix documented roof problems before you shop the next policy.

What TDI launched

On September 23, 2026, TDI announced a webpage where you enter a ZIP code and see:

Reasons companies declined, canceled, or didn't renew home policies in that area.
Counts of active policies, nonrenewals, cancellations, and declinations reported by companies.

TDI said the page comes from House Bill 2067 (2025), will be updated at least quarterly. TDI's reasons page adds that results are shown by ZIP code and policy type, not by insurance company. Reporting under the new law started April 1, 2026; the page also includes some earlier notices for policies nonrenewing on or after that date.

What “condition of property” means for roofs

On the reasons page, TDI defines condition of property as related to the property's condition — for example insufficient defensible space; maintenance, occupancy, or vacancy issues; roof condition; or tree overhang. A company can select all related reasons that apply.

TDI also notes a coding detail that matters for some roofs: if a company declined or didn't renew because it doesn't cover certain types of roofs, that reason should be coded as “Other, Insurer's Action” instead of condition of property. So “roof condition” and “roof type we don't write” are different buckets in the data.

Other common reason types on the same page include claims history, credit or insurance score (which can't be the only reason under Insurance Code 559.052(a)(2)), wind/hail/hurricane exposure, wildfire exposure, and failure to pay premiums.

What to do if your policy was nonrenewed or canceled

TDI's tip page Was your home insurance canceled or not renewed? says:

Nonrenewal means the company won't continue the policy after the end date. For policies bought or renewed in 2024, the company must give 60 days' notice; for 2023 or earlier, 30 days.
Cancellation means the company stops the policy before the end date and must give 10 days' notice.
If you were declined, canceled, or nonrenewed after January 1, 2026, the company must give you a written statement of the reason.
Start shopping so a new policy is in place before the old one ends. HelpInsure.com can show sample rates. If at least two companies refuse to insure the home, the Texas FAIR Plan Association is the market of last resort.

TDI also lists example nonrenewal triggers that often overlap with roof and house condition: the house is in worse condition than when you bought the policy (a company may give you time to repair), three or more nonweather-related claims in three years, vacancy of 60 days or more, or the company limiting coverage in your area.

A practical East Texas roof checklist before you reapply

Pull your ZIP on TDI's tool and note how often “condition of property” and wind/hail reasons appear.
Read the written reason on your notice. If it mentions roof condition, get a documented inspection with photos.
Fix what's named — missing shingles, soft decking, poor flashing, or tree limbs scraping the roof — before you apply again.
Ask about attic moisture and ventilation when someone is already on the roof; see our attic ventilation and moisture guide.
Keep bids and photos. If you're also filing a storm claim, follow TDI's temporary-repair guidance in after hail or windstorm.

A roof inspection is not a guarantee of a new policy. It gives you a clear list of conditions insurers may be reacting to.

Rates are easing for some Texans — still shop

Separately, on October 8, 2026, TDI reported that most homeowners insurers filing rate changes since July 1 proposed decreases, with filed homeowners rate changes averaging a 4.3% decrease over the prior 90 days and affecting about 700,000 policyholders. That doesn't erase a roof-condition problem on your notice, but it is another reason to shop once repairs are documented: TDI notes nearly 160 companies sell home and auto insurance in Texas.

Bottom line

TDI's ZIP tool shows how often roof and property condition show up in declinations, cancellations, and nonrenewals near you. Pair that with the written reason on your notice, repair what's documented, and shop with a new policy ready before the old one ends.

Planning a roof project? Request a free, no-obligation quote and get your questions answered before you sign anything.