Why Insurance Companies Are Dropping Cedar Shake Roofs & What You Can Do Instead

If you have a cedar shake roof – or are considering one – you may have heard that more and more insurance companies are refusing to cover them. Homeowners across North America are seeing their premiums rise or their policies dropped entirely, all because of the risks associated with traditional cedar roofing.

What’s behind the shift?

While cedar shake roofs have long been valued for their rustic charm and natural appeal, insurance providers are viewing them as a liability. Here’s why:

• Fire RiskCedar is a highly flammable material. In areas prone to wildfires or dry, hot weather, that beautiful natural roof can actually become a serious fire hazard. Insurance companies are increasingly reluctant to insure homes with this kind of risk exposure.
• Natural DeteriorationCedar is an organic material, which means it’s vulnerable to rot, warping, cracking, mold, and insect damage. Over time, this natural breakdown leads to costly repairs – and claims insurance companies would rather avoid.
• Ongoing MaintenanceCedar shake roofs require regular upkeep to stay in good condition. If not properly maintained, they degrade faster – something insurers see as another risk factor when evaluating coverage options.

So what’s the alternative? That’s where Enviroshake roofing comes in.

A Smarter, Safer Solution: Enviroshake

If you love the timeless look of cedar but don’t want the risk, maintenance, or insurance headaches, Enviroshake is your answer.

Engineered to authentically replicate the look of natural cedar shake and slate, Enviroshake is made from a proprietary composite blend of sustainable materials. It’s designed to perform in even the harshest climates – and to keep your home, and your insurance policy, protected.

✅ Fire-Resistant – Unlike traditional cedar, Enviroshake products are highly resistant to fire, which can help with insurance eligibility and peace of mind. ✅ Durable & Long-Lasting – Built to withstand UV rays, high winds, hail, and moisture without warping, cracking, or rotting. ✅ Low Maintenance – No re-staining, re-sealing, or worrying about pests or decay. ✅ Sustainable – Made with recycled materials and fully recyclable at the end of its life.

Whether you’re replacing a roof that no longer qualifies for insurance coverage or planning ahead for a new build, Enviroshake gives you the look you love – without the trade-offs.

Take a Closer Look 👀

🎧 Want to learn more?* Tune in to the latest episode of our Deep Dive podcast, where we break down the differences between cedar shake and Enviroshake, talk through what insurers are really looking for, and share stories from real customers who’ve made the switch.*

Ready to protect your home with a roof that’s engineered to perform?

Contact us today to explore the full line of Enviroshake products and get connected with an installer near you.

Related Resources: Enviroshake Roofing Options | Residential Roofing Services | Get a Free Estimate