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Your Aging Roof Could Cancel Your Homeowner's Insurance

How old is your roof? Have you repaired damage from storms? Do you have a slow roof leak that you're trying to ignore? If you want to hang on to your homeowner's insurance, you might need to make some updates or repairs to your roof. 

Your home's insurance policy should cover significant damage to your roof from storms or fire. However, some issues can prevent you from renewing a policy or getting a new policy when you purchase an existing home. 

A manual for Homeowners Insurance Policy with a compass on top

Here's how roofing problems can affect homeowner's insurance in the Tyler area and what to do to make sure you aren't stuck without coverage. 

An Aging Roof

Depending on the type of roof on your home, the age of your roof could affect your homeowner's insurance. 

Paying out of pocket for a roof replacement is expensive. It's tempting to go as long as you can without replacing your roof. They're built to last, right?

That's true. But roofs aren't made to last forever. As a roof ages, it becomes less effective at protecting your home. 

There are a couple of crucial things insurance companies take into consideration when renewing or issuing a new homeowner's policy. 

Type of Roof

Some types of roof shingles last longer than others. When considering an insurance policy, your insurance agent factors in the type of roof on your home and how long it should last. 

In perfect conditions:

  • Cement shingles can last about 25 years 
  • Wood shake roofs could last longer--about 30 years
  • A tile, slate, or copper roof can last more than 50 years

The most common roofs in the Tyler area are asphalt shingle/composition roofs. These last about 20 years.

However, conditions in Texas are never perfect. Rain, wind, sun, and hail can shorten the life of your roof. 

A roof with significant damage.

An Inspection

Your insurance might require a roof inspection to issue a policy on your home. If your roof is only a few years old, this might not be necessary. 

But if your asphalt roof is between 15-20 years old, you'll probably need an inspection. 

Your insurance carrier can deny your policy if they determine that the roof needs a replacement or significant repairs. You'll need to pay out of pocket for those repairs for your home to qualify for insurance coverage. 

Damages Without Repair

Repairing roof damage can be a hassle. Despite the headache, it's less expensive and better for your insurance coverage to keep up with repairs to your roof. 

When your roof has a leak or other damage, repair it right away. Most insurance policies won't cover repairs or replacement for damage that takes place over time. They provide coverage if the damage is a result of a single storm or instance. 

If your roof is hit by storm damage, don't wait to have it inspected and take care of the damage. The more damage your roof sustains over time, the less likely you'll be able to continue insurance coverage on your home. 

Also, never purchase a home without doing a roof inspection. You'll risk buying a home with damage that an insurance company won't cover with a new policy. 

Maintain Your Roof to Maintain Coverage

Without homeowner's insurance, everything in your home would be your responsibility to repair or replace out of pocket in the event of theft or damage.

Your best plan of action is to keep an eye on your roof, check for damage after storms, and handle repairs sooner rather than later. 

We can help with insurance inspections and claims in the Tyler area. Whether you need an inspection to qualify for homeowner's insurance or you need help filing claims for repairs, Fitz Roofing makes the process easy. 

Contact us or click the link below to get the guide to selecting the best Texas roofing comapny.

Get the guide

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