Why Your Roof’s Age Matters to Insurance Companies 

When it comes to homeowners insurance, the age of your roof plays a pivotal role in how insurers assess risk and determine your premiums. While it might seem like just another part of your home, your roof is actually one of the most critical components in protecting your property from weather-related damage.

Concerns About Older Roofs

Older roofs are more susceptible to leaks, structural issues, and storm damage. As roofing materials age, they deteriorate, losing their ability to shield your home effectively from rain, wind and debris. Insurance companies know this and they factor it heavily into their risk calculations. For example, a roof that’s 20 years old is far more likely to fail during a storm than one that’s only five years old.

Because of this increased risk, insurers may charge higher premiums for homes with older roofs. In some cases, they might even refuse coverage altogether unless the roof is repaired or replaced. Additionally, if your roof is nearing the end of its expected lifespan, your policy might only cover its actual cash value—factoring in depreciation—rather than the full replacement cost.

Advantages of Newer Roofs

On the flip side, a newer roof can lead to discounts. Many insurance providers offer incentives for homes with recently installed roofs, especially if they’re made from durable, impact-resistant materials. These upgrades signal to insurers that your home is better protected, reducing the likelihood of costly claims.

We’re Here to Help

Your roof’s age isn’t just a number—it’s a key indicator of your home’s resilience. Keeping it in good condition not only safeguards your property but can also save you money on insurance. If your roof is aging, it might be time to consider an upgrade.

Contact Lone Star Insurance Agency in Burleson, Texas, today to learn more about homeowners insurance and secure appropriate coverage for your roof.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.