Some insurers have refused to renew existing homeowner insurance policies on houses with roofs older than 20 years without passing an inspection. Those who fail inspection will not be renewed without a roof replacement.
Other insurers don’t write new policies for homes with roofs over 20 years old and they will only pay actual cash value for roof replacement for older roofs when they’re damaged. This means they don’t pay to fully replace the roof, but only reimburse for what an old roof is worth after 20-plus years.
"If you have a roof that has lasted 20 years, then you've probably exceeded the roofing membrane life expectancy,”
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