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How Old Can a Roof Be Before Insurance Considers It Too Old?
When unexpected roof damage strikes, you might wonder:
At what point will my insurer simply say it’s too old to cover? While policies vary, there are general guidelines you can rely on, especially concerning age, maintenance, and policy limits.
What You Should Do If Your Roof Is Aging
Steps you can take:
- Review your policy – Check if RCV applies and what your roofing coverage limits include.
- Schedule regular inspections – A well-documented maintenance history can help avoid coverage denial.
- Consider replacement early – Replacing before damage occurs not only renews coverage but may lower premiums. –
- Maintain records – Keep invoices, inspection reports, and photos to support future claims.
- Consult your agent – Be upfront about your roof’s age if seeking a new policy to avoid surprises later.
Don’t wait for coverage to lapse or damage to worsen. Schedule a roof inspection and learn about our roof replacement options.
Why Coverage Shrinks as Roofs Age
- Wear and Tear Exclusion
- Insurance is designed to cover sudden, accidental damage, not long-term deterioration. Aging or neglected roofs often fall under “wear and tear,” which policies explicitly exclude.
- Increased Risk & Cost
- Older roofs are more likely to experience failure during common perils (hail, wind, fire). Insurers may exclude certain risks or require inspections before renewal to manage their liability.
Final Thoughts
- Age matters: Many insurers pull back or deny coverage once a roof hits 15–20 years.
- Policy type matters more: ACV policies devalue aging roofs, while RCV policies support replacement if they still apply.
- Proactive maintenance and timely replacement are your best protections.
Take action before it’s too late:
If your roof is approaching the 15–20 year mark or if you’re not sure when it was last inspected, now is the time to take control.
Call us at 862-391-1619 to speak with a local expert or schedule your free estimate.
Your roof protects everything underneath it. Let MOCO Roofing help you protect both.
Book your free roofing consultation!
