California home with protected roof
California Insurance Crisis · 2024–2026

Is Your Insurance About to Cancel Your Policy?

400,000+ California homeowners have lost coverage since 2021. Your roof's condition is now the #1 factor in whether you keep — or lose — your policy.

Use our tools below to check your risk, see exactly what your carrier looks for, and build a professional package to hand your broker with confidence.

400,000+

Policies cancelled since 2021

30,000

State Farm non-renewals in SD

2–3×

FAIR Plan premium increase

$18,000

Avg. forced replacement cost

Step 1

Know Your Risk Level

Enter your details below. We'll calculate your personalized non-renewal risk score based on your carrier's specific criteria, your zip code, and your roof's condition.

Insurance Risk Score Calculator

Get your personalized non-renewal risk assessment in 30 seconds.

Curling shingles, dark patches, missing granules, moss/algae growth

Zip Code Risk Lookup

Check if carriers are pulling out of your area

Step 2

What Your Carrier Looks For

Each carrier has different thresholds and criteria. Expand your carrier below to see exactly what triggers non-renewal — and how GoNano protective coating addresses each one.

The Math

Replace vs. Treat — The Numbers

Full Roof Replacement

$15,000–$25,000

  • 3–5 day disruption to your home
  • Permits, debris removal, disposal fees
  • May trigger reassessment of property value
  • New roof still ages from day 1

GoNano Treatment

$2,500–$4,500

  • Completed in 4–6 hours, same day
  • No permits required, no debris
  • Extends life 10–15 years (CNETE tested)
  • Includes NuRoof certification for your insurer

Average San Diego homeowner saves $12,000–$20,000 by treating instead of replacing.

Step 3

Build Your Broker Package

Generate a professional submittal letter and documentation checklist that you can hand to your insurance broker with confidence. After your GoNano protective coating, we provide all referenced certifications and reports.

Insurance Submittal Package Builder

Generate a professional letter and documentation checklist to submit to your broker.

This generates a professional letter and checklist. After your GoNano protective coating, we provide all referenced documentation.

Your Timeline

From Inspection to Insurance Submittal

The entire process — from first call to handing your broker a complete package — takes as little as one week.

1

Day 1

Free Roof Assessment

We inspect your roof's condition, document current state, and determine treatment viability.

2

Day 2–3

Prep & Treatment

Minor maintenance — secure loose nails, seal flashing — followed by GoNano NuRoof application.

3

Day 4–5

Documentation

Before/after photos, UL test references, NuRoof certification package assembled.

4

Day 5–7

Broker Submittal

Complete package ready to hand to your insurance broker or submit to underwriting.

The Documentation Your Broker Needs

GoNano invested $750,000+ in independent testing specifically to provide the documentation that insurance underwriters require.

Class 3 Rated

UL Testing

Hail impact upgrade from Class 1 → Class 3, verified by Underwriters Laboratories — the gold standard insurers trust.

10-15 Year Extension

CNETE Testing

Independent Mexican national lab verified 10–15 year life extension through accelerated aging protocols.

Broker-Ready

NuRoof Certification

Complete documentation package: before/after photos, treatment specs, warranty, and inspection report.

Don't Wait for the Non-Renewal Letter

Every month you wait, more carriers tighten their standards. A free inspection takes 30 minutes and gives you a clear picture of where you stand.

Serving all of San Diego County · Licensed & Insured · GoNano Certified Applicator