The Roof Age Limit

Some insurers refuse to renew existing homeowner insurance policies on houses with roofs older than 20 years unless they pass an inspection.

The roof age limit. Most asphalt shingle roofs can survive only up to 30 35 years after its first installation. The roof should have a remaining physical life of at least two years. In the lawson s situation the repair bill came to just 45 000 including tax but their insurance company didn t pay them the full amount. These are expected to last up to 20 years.

Roofs last a long time with the typical asphalt shingle roof lasting between 15 to 25 years depending on the type of installation. But that s not all the fha also requires a minimum amount of durability. If the roof has less than two years remaining life then the appraiser must call for re roofing or repair. The average lifespan of asphalt shingles ranges from 20 to 40 years depending on the manufacturer although many warranties only guarantee between 15 and 25 years.

Generally the older your roof the higher the amount depreciated or not covered under your. Here are three ways you ll know if your roof can go beyond its intended lifespan. Obviously the best way to know your roof s age is by keeping records from the last time the roof was replaced. Tile roofing is typically stronger than shingle and is considered to have a life expectancy of 30 years.

This means the actual cash value minus your deductible amount minus the depreciation cost according to the age of your roof. This doesn t mean that your architectural roof will start collapsing after 20 years. But most homeowners don t always understand that the age of their roof or house or belongings or furnace and so on can actually impact the claim limit coverage. On the other hand it can even become shorter due to poor installation hailstorms or other detrimental weather related problems.

Fiberglass shingles are more. The appraiser must clearly state whether the subject is to be repaired or re roofed. If your policy is for acv your insurance company will pay the actual cash value of your roof at the time of a covered loss. Estimating roof age is difficult.