How an Old Roof Could Lead to Insurance Cancellation
By Dennis Bree, Owner of Best Choice Roofing Jersey Shore
Your roof is your home’s first line of defense, but if it’s too old, insurers may see it as a risk. Many New Jersey homeowners are finding that insurers are tightening policies, reducing coverage, or even canceling policies due to roof age. Understanding why insurers view older roofs as a liability and how to stay covered is essential.
Why Insurers Consider Older Roofs a Liability
Insurance companies base their policies on risk. As a roof ages, it becomes more susceptible to leaks, storm damage, and failures. Even if a roof looks intact, years of exposure can cause unseen issues.
New Jersey’s climate of heavy snow, rain, and hurricane-force winds accelerates roof wear. In 2021, Hurricane Ida caused $75 million in property damage, with roofs taking the brunt. In fear of sudden claims for extensive damage, insurers may limit coverage or require homeowners to replace aging roofs before renewing policies.
Material affects a roof’s longevity. Asphalt shingles, the most common roofing material in New Jersey, typically last 15 to 25 years. Metal and slate roofs can last 50 years or more. Knowing your roof’s lifespan helps you plan for insurance requirements.
What Age Limit Most Insurers Enforce on Roof Coverage
Many insurers set strict age limits on roofs, typically:
- 10-15 years – Some insurance companies refuse to cover asphalt shingle roofs beyond this point.
- 15-20 years – Coverage may still be available but often with higher premiums or reduced payout options.
- 20+ years – Many insurers won’t renew policies unless the roof passes an inspection or has been recently replaced.
Insurers may offer actual cash value (ACV) coverage, which pays based on depreciation, not full replacement cost. Replacing a 20-year-old asphalt roof in New Jersey could cost $12,000, but under ACV, an insurer might reimburse $4,000, leaving you responsible for the difference.
Proactive Steps to Keep Your Policy Active
- Schedule a Roof Inspection
A certified contractor like Best Choice Roofing can assess your roof’s condition and provide documentation to help keep coverage active. - Perform Regular Maintenance
Simple tasks like cleaning gutters and replacing missing shingles can extend your roof’s life and maintain coverage. - Consider Repairs or Replacement
If your roof is nearing 20 years old, replacing it before an insurer cancels your policy might be wise.
Protect Your Home and Stay Covered
Losing homeowners insurance due to an aging roof can leave you vulnerable. By taking action now—through inspections, maintenance, or replacement—you can ensure your home stays protected.
Best Choice Roofing has provided quality service for over 15 years as a Platinum Preferred Contractor for Owens Corning. For a limited time, we’re offering a free roof inspection with an insurance-grade report and expert advice on repairs or replacements.
Scan the QR above to see if you qualify for this complimentary offer!
Contact Best Choice Roofing Jersey Shore:
Phone: (908) 933-0033 or visit our website at www.bestchoiceroofing.com/jersey-shore
