Will Insurance Cover a 20-Year-Old Roof? – Explained

December 17th, 2023 BY First American Roofing

As a homeowner, one of the questions that might be on your mind is whether your insurance will cover a 20-year-old roof. After all, your roof is a crucial part of your home’s protection, and its condition can significantly impact your peace of mind. In this easy-to-follow guide, we’ll break down the factors that influence whether your insurance will cover an aging roof and what you can do to ensure you’re adequately protected.

What’s inside this easy read:

Keep reading to learn everything you need to know about the insurance process when it comes to a roof that has battled the weather for a couple of decades!

Why Your Roof Matters 🏠

Before diving into the nitty-gritty of insurance coverage, let’s briefly discuss why your roof is such a big deal.

5 Factors That Influence Insurance Coverage 📋

Several factors come into play when it comes to what most insurance companies cover for an aging roof. Below, we’ll go over the 5 key ones.

1. Policy Type

The type of homeowners insurance policy you have can significantly impact coverage. Some policies are more comprehensive than others.

2. Roof Condition

The condition of your roof matters. If it’s well-maintained and regularly inspected, you’re more likely to have coverage.

3. Cause of Damage


The reason for the roof’s damage or deterioration is crucial. Homeowners insurance companies are more likely to cover damage caused by sudden and unexpected events, like storms or fires.

4. Insurance Company

Different insurance providers have varying policies and guidelines for roof coverage.

5. Local Regulations

Local building codes and regulations can also influence insurance coverage requirements.

How the Age of Your Roof Relates to Insurance Coverage

Okay, so you’ve got this roof that’s seen a couple of decades go by, and you’re wondering if your insurance company’s got your back. Well, it’s a bit like having an old car; if it’s well-maintained, it might still get you where you need to go, but if it’s been through the wringer, don’t be surprised if it breaks down more often.

Here’s the deal: Most standard homeowner’s insurance policies will cover damage to your roof caused by sudden and unexpected events, no matter how old that roof is. So if a wild windstorm decides to play house with your shingles, you’re probably in good hands.

But here’s the catch – if your roof is showing signs of age-related wear and tear, like those shingles starting to curl up and wave goodbye, insurance might give you the cold shoulder. They expect homeowners to do their part, which means keeping up with inspections and doing repairs when needed. After all, insurance is like your trusty sidekick – it’ll be there when you need it most, but only if you’ve been keeping up your end of the bargain.

4 Common Scenarios: Will Insurance Cover a 20-Year-Old Roof? 🤷‍♀️

Let’s explore some common scenarios to help you understand when insurance might or might not cover a 20-year-old roof.

Scenario 1: Storm Damage


If a severe storm with high winds or hail causes damage to your 20-year-old roof, your homeowner’s insurance is likely to cover the repair or replacement costs. Damage from storms is typically considered a covered peril.

Scenario 2: Normal Wear and Tear

Insurance generally doesn’t cover damage resulting from normal wear and tear or age-related deterioration. If your roof simply reaches the end of its natural lifespan and starts showing signs of aging, insurance is unlikely to cover the replacement.

Scenario 3: Preventive Maintenance

Suppose you’ve been proactive about maintaining your 20-year-old roof, conducting regular inspections, making necessary repairs, and ensuring it’s in good condition. In that case, insurance is more likely to cover damage caused by a covered peril, such as a storm.

Scenario 4: Roof Replacement

If your aging roof experiences significant damage from a covered peril, like a tree falling on it during a storm, insurance may cover the cost of replacing the roof. However, you might be responsible for the depreciation of the roof’s age.

Tips for Dealing with Insurance and an Aging Roof 📝

Here are some practical tips for homeowners dealing with insurance and an aging roof:

Insurance and Your Aging Roof

Whether your homeowner’s insurance will cover a 20-year-old roof depends on several factors, including the policy type, the roof’s condition, and the cause of the damage. To ensure you’re adequately protected, it’s essential to understand your policy, conduct regular inspections, and maintain proper documentation.

If your aging roof requires replacement due to damage from a covered peril, insurance may assist in covering the costs. As a responsible homeowner, staying informed and proactive about your roof’s condition is key to safeguarding your home and your investment.

Contact our pro roofing team at First American Roofing today for all your roofing needs. We’ll make sure your home is in top-notch shape with a solid roof over your head. Let’s kickstart your next roofing project with a free estimate!