Why Motel Owners Are Being Forced to Self-Insure Their Roofs — And How Roof Rejuvenation Can Help

For motel and hotel owners across the U.S., roof maintenance isn’t just a property expense — it’s a business-critical investment. Unfortunately, many owners are learning the hard way that insurance carriers are tightening restrictions on roof coverage. In fact, in many regions, motels are being forced to self-insure their roofs after carriers either deny coverage outright or raise premiums to unaffordable levels. Motel Owners love Roof Rejuvenation.

So, why is this happening, and what can motel owners do about it?

roof rejuvenate USA dealer working on a motel in Washington

Why Carriers Are Backing Away From Motel Roofs

Insurance companies consider motel and hotel roofs high-risk for several reasons:

• Age thresholds: Once a roof hits 10–15 years old, many insurers won’t renew coverage, regardless of condition.

• Roof type & size: Large, flat or low-slope roofs common in motels are more vulnerable to wind, hail, and pooling water.

• Storm exposure: Properties in storm-prone states face even greater scrutiny, with insurers bracing for costly claims.

• Rising replacement costs: With roof replacements often running hundreds of thousands of dollars, carriers view the risk as too great.

The result? Many motel owners are left with no choice but to self-insure. That means setting aside significant cash reserves to cover potential repairs or replacements — a financial strain on businesses already managing tight margins.

The Hidden Cost of Self-Insuring

Self-insuring a roof may seem like the only option, but it creates long-term risks:

• Cash flow disruption: A single roof failure can wipe out years of profits.

• Property devaluation: A roof nearing the end of its life can lower the resale or refinancing value of a property.

• Operational stress: Owners and managers are left juggling maintenance costs instead of focusing on running their business.

Clearly, motel owners need a cost-effective way to extend the life of their roofs while reducing financial risk.

How Roof Rejuvenation Provides a Solution

This is where Roof Rejuvenate USA’s nationwide network of authorized dealers comes in. Roof rejuvenation is a proven treatment that:

• Restores flexibility and oils to aging shingles, extending their life by up to 5 years per treatment.

• Improves granule adhesion, helping shingles withstand storms and resist black streaking/mold growth.

• Delays costly replacements, keeping roofs in serviceable condition for a fraction of the replacement cost.

• Boosts property value, showing insurers and buyers that proactive maintenance has been done.

With three applications over 15 years, motel owners can potentially double the lifespan of their roof — saving hundreds of thousands of dollars in replacement costs while making insurance negotiations easier.

Why Work With Our Dealer Network?

Roof Rejuvenate isn’t a one-size-fits-all solution. Our trained dealers across the U.S. provide:

• On-site inspections to determine if a roof qualifies.

• Professional application with low-pressure equipment designed for shingle preservation.

• Warranty options for eligible roofs to give owners peace of mind.

• Local support backed by the credibility of a national brand.

For motel and hotel owners, this means access to an affordable, scalable solution that can protect your business from the financial strain of self-insuring.

Final Thoughts

If you’re a motel or hotel owner struggling with roof insurance challenges, you’re not alone. More and more owners are facing this uphill battle. But roof rejuvenation offers a smarter path forward — one that helps preserve your investment, extend the life of your roof, and reduce the pressure of self-insuring.

👉 Connect with our dealer network today to schedule a roof assessment and see if rejuvenation is the right solution for your property.