A lot of Central Florida homeowners are asking about their roofs and if their age is going to be a problem when it comes to renewing their insurance policy or changing companies. It’s a common question with a not-so-common answer. The typical lifespan of a well-maintained asphalt shingle roof is 20-25 years. However, that being said, I have seen 30+ year old roofs that are in better condition than some 10-15 year old roofs.

Conversely, I have also seen brand new roofs that have widespread leaks and wind damage due to poor craftsmanship. So age alone is not necessarily the determining factor in whether or not your roof will pass an insurance inspection. Here are some other factors that come into play.

The first thing most insurance companies will look at is the roof’s “material.” A roof that is built with Class A fire resistant material will almost always get a higher rating than one without. If you live in an HOA community, there may be deed restrictions that limit what type of roofing material can be used which, as a result, could limit your choices for home insurance. Another important factor is how many layers of shingles are on your roof. In most cases, two layers are fine but three or more could result in a surcharge or even cause your policy to be declined altogether. And finally, the age and condition of major components such as the gutters, vents, flashing and pipes should all be taken into consideration when determining insurability.

In short, there is no easy answer when it comes to how old is too old for home insurance purposes in Florida. Age is just one factor among many that will be considered when an adjuster comes out to inspect your roof prior to issuing a policy or renewing an existing one. If you have any concerns about your roof and how it may affect your ability to insure your home, visit our free inspection page to schedule your free drone inspection now.