Is Your Insurance Dropping You Over an “Old” Roof?
Across Houston and the state of Texas, more homeowners are receiving unexpected letters from their insurance companies: policy canceled, non-renewed, or premiums hiked, all because their roof is “too old”—even if there’s no sign of damage. Why is this happening, and what can you do about it? In this blog, we’ll explain the latest trends in insurance, how Houston’s climate affects your risk, and how to protect your home and your policy.
Why Are Insurance Companies Dropping Policies Over Roof Age?
Insurance companies in Texas are tightening their standards as weather disasters become more frequent and repair costs climb. An “old” roof—sometimes defined as 15 years or older—is viewed as a much higher risk for future claims, even if you’ve had no leaks or problems. Some insurers are now refusing to renew policies or are dramatically increasing premiums for homes with older shingle roofs.
This isn’t just happening after a claim or a storm. Increasingly, companies are using aerial and satellite images, drive-by inspections, or simple questions about roof age to decide whether to drop coverage. In Houston, where storms, hail, and harsh sun speed up roof aging, the problem is especially urgent.
What Does “Too Old” Mean for a Roof in Houston?
- Most insurance companies draw the line at 15-20 years for asphalt shingles.
- Some may require a roof replacement or major repairs before renewing your policy.
- Roofs over 20 years old are almost always red-flagged for non-renewal, regardless of condition.
Houston’s climate accelerates roof aging, so a 15-year-old roof here may have the wear of a 20-year-old roof in a milder state.
How Can You Tell If Your Roof Is at Risk?
- Check your roof’s installation year—if it’s 15 years old or more, you’re at higher risk.
- Review your policy documents or talk to your agent about roof age restrictions.
- Look for signs that your insurer is inspecting roofs in your neighborhood (drones, drive-bys, requests for roof photos).
If you receive a letter mentioning “roof age” or an “underwriting inspection,” don’t ignore it. Proactive action is always better than scrambling after a cancellation.
How Houston’s Weather Makes Roof Age a Bigger Issue
Houston homeowners know the toll our weather takes: relentless sun, heavy rain, high winds, hurricanes, and the occasional hailstorm. All these factors mean roofs age faster here. Even if your shingles look good from the ground, UV damage, wind-lift, and granule loss can add up quickly.
- Intense sun: Causes shingles to dry out, curl, and become brittle.
- Storms and wind: Can lift or damage shingles, leading to hidden leaks.
- Hail: Even a minor hail event can reduce the effective lifespan of your roof.
Insurance companies know this and set stricter standards for “old” roofs in Houston compared to many other places.
What to Do If You Get a Notice About Your Roof
- Don’t panic. Many times, you can keep coverage by providing proof that your roof is still in good condition.
- Schedule a professional roof inspection. Have an experienced Houston roofer examine your roof, document its condition, and provide photos and a written report.
- Submit inspection results to your insurer. If your roof passes, you may avoid non-renewal or a premium increase.
- If the roof is worn or damaged, you may need repairs or a replacement to maintain coverage.
Documentation is your best defense. A roofer’s inspection report can make all the difference when negotiating with your insurer.
Should You Replace Your Roof Now or Wait?
If your roof is nearing the end of its life (15+ years), it’s wise to plan ahead. An emergency replacement after cancellation is stressful and expensive. Proactively replacing an aging roof can help you:
- Maintain your insurance policy at a reasonable rate
- Increase your home’s value and curb appeal
- Reduce the risk of leaks and water damage during Houston’s storm season
- Qualify for premium discounts with some insurance companies
Consider upgrading to architectural shingles or impact-resistant options for longer life and better storm protection.
How D.A. Roofing Cons Can Help Houston Homeowners
At D.A. Roofing Cons, we understand the challenges of Houston’s weather and the pressures homeowners face from insurers. We offer free, honest, and photo-documented roof inspections, clear advice on your roof’s true condition, and help navigating insurance requirements. Our team can help you stay protected—without unnecessary replacements or insurance surprises.
- Free, no-obligation roof inspections and reports
- Prompt, high-quality roof repairs and replacements
- Guidance and documentation for your insurance company
- Local Houston expertise and experience with all major insurance carriers
Don’t wait for a cancellation notice. Contact D.A. Roofing Cons today for a free inspection and keep your insurance—and your home—secure!
