Homeowners in Missouri often face a crucial question: will insurance cover a 20 year-old roof? Understanding your insurance policy and what it covers can help you prepare for the unexpected and make informed decisions about your home’s maintenance and repair needs.

Understanding Home Insurance Policies

Home insurance policies generally cover roof damage caused by unforeseen events, such as storms, fires, or vandalism. However, coverage can become complicated when it comes to older roofs. Insurance companies consider various factors when determining coverage for a 20-year-old roof:

• Age of the Roof: Many insurance companies have specific guidelines for roofs over 20 years old. Some may offer limited coverage, while others might exclude the roof altogether.
• Roof Material: The type of roofing material can impact your coverage. For instance, metal roofing often lasts longer and may still be covered even after 20 years, whereas asphalt shingles may not.
• Roof Condition: The overall condition of the roof plays a significant role. A well-maintained roof with no significant wear and tear is more likely to receive coverage.

Common Scenarios When Roofs Are Typically Covered

While each insurance policy is different, here are some common scenarios where your insurance might cover your 20-year-old roof:

Storm Damage

Missouri is no stranger to severe weather, including hailstorms and tornadoes. If a storm causes significant damage to your 20-year-old roof, your insurance policy may cover the repairs or replacement. It’s essential to document the damage and file a claim promptly.

Fire Damage

In the unfortunate event of a fire, most insurance policies will cover the damage, regardless of your roof’s age. This includes damage caused by lightning strikes, which can result in roof fires.

Vandalism

If your roof is damaged due to vandalism, your insurance policy should provide coverage. Again, ensure you have proper documentation and report the incident to your insurance company as soon as possible.

Limitations and Exclusions

While insurance may cover specific types of damage, there are also limitations and exclusions to be aware of:

Wear and Tear

Insurance companies typically do not cover damage resulting from normal wear and tear or lack of maintenance. A 20-year-old roof that hasn’t been properly maintained may be considered at the end of its lifespan, and coverage might be denied.

Pre-existing Damage

Any pre-existing damage that was present before obtaining your current policy is generally not covered. Regular inspections and maintenance can help identify and address issues before they become problematic.

Cosmetic Damage

Cosmetic damage, such as discoloration or minor dents that do not affect the roof’s functionality, is often excluded from coverage. Insurance companies focus on structural damage that impacts the roof’s integrity.

Tips for Homeowners with Older Roofs

If your roof is 20 years old or approaching that milestone, consider these tips to ensure you remain protected:

Regular Inspections

Schedule regular roof inspections with a professional to identify potential issues early. Manor offers comprehensive roof inspections to help you maintain your roof’s condition.

Proper Maintenance

Perform routine maintenance, such as cleaning gutters, removing debris, and addressing minor repairs. A well-maintained roof can prolong its lifespan and improve your chances of coverage.

Upgrade Your Roof

If your roof is showing signs of significant wear and tear, it may be time to consider a replacement. Investing in a new roof can not only enhance your home’s protection but also potentially reduce your insurance premiums.

Working with Manor

At Manor, we understand the complexities of dealing with insurance claims for older roofs. Our experienced team can assist you with:

• Roof Inspections: Thorough inspections to assess the condition of your roof and identify any issues.
• Maintenance and Repairs: Expert maintenance and repair services to keep your roof in top shape.
• Roof Replacement: Professional installation of new roofs, including various materials like asphalt shingles, metal roofing, and more.

Get an Estimate Today

Wondering if insurance will cover your 20 year old roof? Don’t leave it to chance. Contact Manor today for a comprehensive roof inspection and personalized advice on maintaining or replacing your roof. Schedule your estimate now and ensure your home remains protected, no matter the age of your roof.