How Your Roof Age Affects Your Home Insurance Premium

When we quote home insurance, the very first thing carriers ask about is your roof. Not your kitchen remodel. Not your pool. Your roof.

Why Insurers Care So Much About Roofs

Texas weather is brutal on roofs — hail, wind, intense heat. A damaged or aging roof is the #1 source of homeowner claims. That means insurers price your policy heavily based on:

• Roof age — newer roofs get significantly better rates
• Roof material — impact-resistant shingles can earn discounts
• Last inspection date — a recent inspection proves condition

The Magic Number: 10 Years

Most carriers in Texas draw a hard line at 10 years. If your roof is under 10 years old, you'll qualify for the best rates and replacement cost coverage. Over 10 years? Expect higher premiums and possibly only actual cash value (depreciated) coverage.

Over 20 years? Some carriers won't write a new policy at all.

What You Can Do

• Get a roof inspection — even if your roof is older, a clean inspection can help
• Ask about wind/hail deductibles — choosing a higher deductible can lower your premium
• Consider impact-resistant shingles — when it's time to replace, this upgrade pays for itself in premium savings
• Let us shop for you — different carriers weigh roof age differently, so comparing matters