Your Roof Is 15 Years Old. What Does Your Insurance Company Think? 🏠

If your roof is 15 years old, you might assume you’re fully covered if a storm damages it.  But your insurance company may look at things differently.

In Texas, roof age and condition can play a significant role in how an insurance company evaluates your coverage and a future claim.

Here are a few things homeowners should know:

🔹 Roof age matters. Some carriers have restrictions or different settlement methods for older roofs.

🔹 Replacement cost isn’t always guaranteed. Depending on your policy and roof, a claim may be settled differently than you expect.

🔹 Maintenance matters. Insurance is designed to cover sudden and accidental damage—not normal wear and tear or deterioration.

🔹 A roof inspection can uncover potential problems before a major storm does.

And here’s the important part:

Don’t wait until you have a claim to find out how your roof is covered.

If your roof is getting older, take a few minutes to review your policy and ask your insurance agent:

👉 “If a hailstorm damaged my roof today, exactly how would my claim be settled?”

That one question could save you from a very expensive surprise.

At Gold Stag Insurance, we believe understanding your coverage before you need it is just as important as having the coverage itself.