Why is roof age important?

You are currently exploring insurance options, whether for a new residence or a long-standing home. A significant consideration you may encounter is the age of your roof.

Many consumers express interest in obtaining new coverage but face challenges when their roof is 20 years old. This can result in higher insurance premiums or even render the home ineligible for coverage.

Let's delve into this matter further. The roof of your home serves as a barrier against the elements. As it ages, the shingles become less effective. The granulation on your roof gradually deteriorates, leading to potential holes, gaps, and lifts that can allow water and weather to cause damage.

As shingles begin to lift and detach, the next storm could result in significant roof damage. Picture your shingles scattered on the ground and water infiltrating your home.

This leads to a critical issue:

Your roof may be under warranty, which is reassuring; however, this warranty does not necessarily indicate that the shingles have not deteriorated.

Perhaps your last inspection indicated that your roof has 10 years remaining. While inspection companies provide an estimated remaining lifespan, this does not align with the insurance company's assessment of your roof's remaining lifespan. Consider this: your roof has been installed for 10 years and is rated for 30 years. However, if you reside in a hurricane-prone area, your roof may endure more wear and tear compared to a roof in a region with heavy snowfall.

Insurance agents understand your frustration as a consumer, but they must adhere to the guidelines established by the insurance carrier.