Your roof is one of the most important parts of your home—but what happens when it’s 20 years old and you need to file a claim? Homeowners often ask us whether their insurance will cover a roof that’s been protecting their home for two decades. The short answer is: it depends.
Let’s break it down.
✅ When a 20-Year-Old Roof May Be Covered
Insurance policies typically cover damage caused by sudden, unexpected events—also known as “covered perils.” This means your roof could still be covered, even if it’s 20 years old, under certain conditions:
- Storm damage: High winds, hail, or heavy rain causing shingles to lift or leak.
- Falling objects: Like a tree limb crashing onto your roof.
- Fire or vandalism: These are usually covered no matter the roof’s age.
If your policy includes Replacement Cost Value (RCV) coverage, your insurance could pay to replace the damaged roof, minus your deductible.
❌ When Coverage May Be Limited or Denied
Insurance isn’t designed to cover damage caused by normal wear and tear, and age is a big factor.
Here’s when you might run into issues:
- General aging or neglect: If your roof is leaking due to age-related deterioration, your claim may be denied.
- Actual Cash Value (ACV) policies: These types of policies factor in depreciation, meaning you’ll get a much smaller payout.
- Insurer restrictions: Some companies won’t renew or issue policies for homes with roofs older than 15–20 years unless the roof is inspected and in good condition.
🛠 What You Can Do as a Homeowner
If your roof is 20 years old or approaching that milestone, here are a few tips:
- Schedule a professional inspection: This can help identify issues before they become major problems.
- Maintain your roof: Regular cleaning and minor repairs go a long way.
- Talk to your insurance agent: Make sure you understand what kind of roof coverage you have—Actual Cash Value or Replacement Cost.
Final Thoughts
Yes, insurance can cover a 20-year-old roof—but the type of policy you have and the condition of your roof play a huge role. If you’re unsure what your current policy includes, now is a great time to review your coverage.
Need help figuring it out? At Eugene C. Yates Insurance Agency, we specialize in helping Sacramento homeowners find the right protection—no matter the age of your roof.
📞 Call us today for a free policy review or quote!