And insurance companies are bailing on their customer.
One large nationwide firm has been buying Google maps sattelite image data and sending “replace your roof NOW or we drop you” letters to anyone whose roof shows the slightest discoloration.
ALL the Google Maps imagery I have seen is in black & white.
They won’t renew policies with a roof 10 years old that’s guaranteed for 25 years. They won’t insure roofs with solar panels
Best to shop for a new insurer then.
Im aware of one company a couple of years back that was sending out letters stating that this or that needed to be done.
When the action was done, sometimes damaging the actual value of the house just as they demanded, they dropped the homeowner anyway.