How Roof Age Affects Your Claim

Why Roof Age Matters

Your roof's age affects nearly every aspect of an insurance claim:

• Whether damage is covered
• How much depreciation is deducted
• Your policy premium and coverage availability
• Claim approval likelihood

Age-Based Coverage Changes

Many insurers change coverage based on roof age:

Under 10 Years

• Full replacement cost coverage (RCV) often available
• Minimal depreciation
• Standard deductibles

10-15 Years

• May be moved to ACV coverage at renewal
• Increased depreciation on claims
• Some insurers require inspection

15-20 Years

• Higher likelihood of ACV-only coverage
• Significant depreciation (50-75%)
• May need to replace to maintain coverage

Over 20 Years

• Many insurers won't provide wind/hail coverage
• May require replacement before offering a new policy
• Claims often result in partial payment or denial

Depreciation Schedules

A typical shingle roof depreciation schedule:

• Years 1-5: 0-20% depreciation
• Years 6-10: 20-40% depreciation
• Years 11-15: 40-60% depreciation
• Years 16-20: 60-80% depreciation
• 20+ years: 80-100% depreciation

Tips for Older Roofs

• Know your coverage type before filing a claim
• Calculate the math - Is the claim worth it after depreciation and deductible?
• Consider proactive replacement - New roof = better coverage
• Shop for coverage - Different insurers have different age rules

Key Takeaways

• Roof age directly impacts claim payouts through depreciation
• Older roofs often get ACV instead of RCV coverage
• Some insurers won't cover roofs over 15-20 years
• Understanding your roof's age helps set realistic claim expectations