When your roof fails a home insurance inspection, there are a few possible outcomes. The insurer may cancel your policy or deny you coverage. It may also impose exclusions, which are certain instances in which the policy will not cover a claim. You could also be given the option for homeowners insurance coverage if you make necessary repairs or renovations. If the roof fails the inspection but there is no sign of imminent failure or damage, the insurer might be able to provide coverage by excluding a claim related to the roof. If a company refuses to insure your home due to its condition, you may need to find a different company willing to take on the risk or look for high-risk insurance options. If your home is old, you may want to consider purchasing home insurance specifically made for older homes.