The Roof Age Limit

Age of roof and insurance insurers consider a roof s age and condition when providing coverage.

The roof age limit.

Here are three ways you ll know if your roof can go beyond its intended lifespan. This doesn t mean that your architectural roof will start collapsing after 20 years. But that s not all the fha also requires a minimum amount of durability. 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.

Most asphalt shingle roofs can survive only up to 30 35 years after its first installation. However if you re looking at a new home or uncertain of your home s pedigree there are warning signs you can look for before your roof starts damaging your house. The appraiser must clearly state whether the subject is to be repaired or re roofed. The roof should have a remaining physical life of at least two years.

These are expected to last up to 20 years. Obviously the best way to know your roof s age is by keeping records from the last time the roof was replaced. Roofs last a long time with the typical asphalt shingle roof lasting between 15 to 25 years depending on the type of installation. Some insurers refuse to renew existing homeowner insurance policies on houses with roofs older than 20 years unless they pass an inspection.

If the roof has less than two years remaining life then the appraiser must call for re roofing or repair. Fiberglass shingles are more. 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. This means the actual cash value minus your deductible amount minus the depreciation cost according to the age of your roof.

On the other hand it can even become shorter due to poor installation hailstorms or other detrimental weather related problems. Generally the older your roof the higher the amount depreciated or not covered under your. 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. Tile roofing is made of either concrete or clay and comes in different shapes and textures.