ultimateroofrepair's blog

Did you know that approximately 65% of homeowners insurance claims are related to weather damage, with roof damage being one of the most common issues? If you're a homeowner with an older house, particularly one with a roof approaching or exceeding 20 years, you might wonder, "will insurance cover a 20-year-old roof?" Unfortunately, the answer is often no, and here's why.

The Aging Roof Dilemma

The aging roof dilemma is something that many homeowners grapple with as they weigh the costs and benefits of repairing versus replacing their deteriorating roofs. Many homeowners in Dallas and across North Texas are in a predicament when their houses are due for a roof replacement or require extensive maintenance. While some insurance companies might consider covering an older roof, most are hesitant to do it.

4 Reasons Insurance Won't Cover a 20-year-old Roof

A 20-year-old roof may not be eligible for insurance coverage, or your insurance company may only offer what's known as the actual cash value for it. Here's why:

1. End of Lifespan: The most common type of asphalt shingle roof has a lifespan of 20-30 years. Insurance companies consider a 20-year-old roof nearing the end of its useful life.
2. Increased Risk: Older roofs are more susceptible to damage from weather events, making them more risky for insurance companies.
3. Depreciation: Insurance policies often factor in depreciation, meaning the payout for a 20-year-old roof would be significantly less than its replacement cost.
4. Pre-existing Conditions: Insurers may argue that any damage to an older roof is due to wear and tear rather than a sudden, covered event.

Solutions for Homeowners

If you're facing this issue, consider these options:

●     Roof Replacement: While costly upfront, a new roof can ensure coverage and potentially lower your premiums.

●     Regular Inspections: Annual professional inspections can help maintain your roof and provide insurers with documentation.

●     Explore Different Policies: Some insurers offer specialized policies for older homes and roofs.

New View Roofing: Your Partner in Roof Care

At New View Roofing, we understand the challenges Dallas homeowners face with aging roofs. As a veteran-owned company serving the North Dallas-Fort Worth area, we bring over 25 years of experience to every project. Whether you need a total roof replacement to ensure insurance coverage or regular maintenance to extend your roof's life, we're here to help.

When you work with us, we offer:

●     Free Roof Inspections: We'll assess your roof's condition and provide detailed reports for your insurance company.

●     Expert Advice: Our team can guide you through the insurance claim process and help you understand your options.

●     Quality Replacements: If needed, we'll replace your roof with high-quality materials, ensuring long-lasting protection for your home.

Don't let insurance concerns leave you unprotected. Contact New View Roofing today for a free consultation. Let our experienced team help you navigate the complexities of roof insurance and maintenance, ensuring your home stays protected for years to come.