Homeowners insurance providers sometimes cancel policies due to algae-covered roofs, as the presence of algae can signal neglect, potential roof damage, and create an unsafe surface for people working on the roof. Additionally, homeowners associations (HOAs) may penalize residents for unsightly algae growth, affecting property values and community aesthetics. Regular roof maintenance, including professional cleaning and algae treatment, can help homeowners avoid insurance cancellations and HOA penalties while preserving the integrity and appearance of their home