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Does Age of Roof Affect Homeowners Insurance?

Homeowners insurance is a vital investment that provides financial protection for your home and belongings in the event of unexpected damages or disasters. One factor that insurance companies consider when determining insurance rates and coverage is the age of the roof. The age of your roof can indeed have an impact on your homeowners insurance, and it’s essential to understand how it may influence your policy. In this article, we’ll explore how the age of your roof can affect homeowners insurance and what homeowners should consider to ensure adequate coverage and cost-effectiveness.

1. Newer Roofs and Lower Premiums:

In general, insurance companies view newer roofs as less risky and more resilient to potential damages. A brand new roof is less likely to have pre-existing issues or wear and tear, making it less prone to leaks and other problems. As a result, homeowners with newer roofs often receive more favorable insurance rates and lower premiums.

2. Impact on Claims:

The age of the roof can also influence how insurance companies handle claims related to roof damage. If your roof is relatively new and sustains damage from a covered event, such as a severe storm, your insurance company is more likely to cover the full cost of repairs or replacement. On the other hand, if your roof is nearing the end of its lifespan or has pre-existing issues due to age, the insurance company may offer a reduced payout to account for depreciation.

3. Roof Inspection Requirements:

Some insurance providers may require a roof inspection before issuing or renewing a policy, especially for older roofs. The inspection helps the insurance company assess the condition of the roof and identify any potential risks or maintenance needs. Based on the inspection findings, the insurance company may adjust coverage or offer recommendations for necessary repairs or replacements.

4. Roof Maintenance and Claims Prevention:

Homeowners insurance is designed to protect against sudden and unexpected events, such as storms, fires, or vandalism. However, it does not typically cover damage resulting from lack of maintenance or wear and tear. Regular roof maintenance is crucial to ensure that your roof remains in good condition and to prevent potential claims denials due to neglect.

5. Roofing Materials and Discounts:

The type of roofing materials used can also impact your homeowners insurance. Some materials, such as impact-resistant shingles or metal roofing, are more resistant to hail and wind damage, making them eligible for insurance discounts. Installing roofing materials that are less prone to damage can lead to cost savings on insurance premiums.

6. Renewing Your Policy:

As your roof ages, it’s essential to keep your insurance company informed about any upgrades, repairs, or replacements. If you invest in a new roof or make significant repairs, notify your insurance company. Providing evidence of the work done can help ensure that your policy reflects the updated condition of your roof.


The age of your roof can indeed affect homeowners insurance rates, coverage, and claims handling. Newer roofs are generally viewed more favorably by insurance companies and may lead to lower premiums. It’s essential for homeowners to maintain their roofs properly and consider upgrading to more resilient roofing materials to reduce the risk of damage and potential insurance claims. Regular roof inspections and keeping your insurance company informed about any roof-related updates can help ensure that you have adequate coverage and peace of mind in protecting your home and investment.

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