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When you change home insurance companies, your new company is almost sure to send someone out to do a brief home inspection. They rarely need to come into your house. They're just looking for things that raise the risk of you having a claim. Common examples would be things like peeling paint, curling shingles, gutters that aren't draining well or stairs that need a railing but don't have one.

Roofs are one of the most important parts of the home that they care about. And so should you. After all, your roof is your home's first line of defense from mother nature.

Sometimes we see a home or detached building that has a roof that's structurally sound - but is covered in moss. The risk here is that moss and lichen will make the roof deteriorate. They also lift up your shingles, which can allow water to get into your structure.

We found a few videos that show you how you can maintain your roof by removing and preventing moss. Remember to be really careful if you're up on your roof. (We don't want you to have a life insurance claim!!)
 
Two ways to remove moss:
http://www.youtube.com/watch?v=-JyORa9HjuM
http://www.youtube.com/watch?v=iBEUNOMTr8M

And how to prevent it from coming back:
http://www.thisoldhouse.com/toh/video/0,,1630921,00.html 
 
If you let it go too long, and your house ends up looking like the one below, we can't help you with your insurance. But with a little care, you can extend the life of your roof, and keep your insurance rates down.


 
Posted 3:45 PM  View Comments

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