The Short Answer: Sometimes — But It’s Complicated
Many Florida homeowners are surprised to learn that insurance does not automatically cover a 20-year-old roof.
Coverage depends on:
- Roof material
- Cause of damage
- Installation quality
- Insurance carrier guidelines
- Florida building code compliance
How Florida Insurance Companies View Roof Age
Asphalt Shingle Roofs
- Most insurers consider 15–20 years the high-risk range
- Coverage may be:
- Limited
- Excluded
- Offered at higher premiums
- Switched to Actual Cash Value (ACV)
Metal & Tile Roofs
- Often covered longer due to durability
- Still subject to inspection and maintenance records
What Insurance WILL Cover on an Older Roof
Insurance may cover a 20-year-old roof if damage is caused by a covered peril, such as:
- Wind
- Hail
- Storm-related debris impact
Insurance does not cover:
- Wear and tear
- Poor installation
- Neglect or lack of maintenance
Why Installation Quality Matters More Than Age
A properly installed roof:
- Passes inspections
- Meets Florida wind-uplift standards
- Has verifiable permits
Many claims are denied because:
- The roof was overlaid illegally
- Code requirements were skipped
- Permits were never pulled
The Role of the 25% Rule
If storm damage affects more than 25% of a roof section, Florida law may require:
- Full replacement
- Tear-off
- Upgrade to current building code
This can actually work in the homeowner’s favor when handled correctly.
How Topline Roofing Helps With Insurance Claims
Topline Roofing:
- Performs insurance-ready inspections
- Documents damage correctly
- Works within Florida code
- Helps homeowners avoid claim denial pitfalls
What Homeowners Should Do Next
If your roof is nearing 20 years old:
- Get a professional inspection
- Review your policy type (RCV vs ACV)
- Verify permit history
- Act before storm season
Working through an insurer’s requirements for an older roof can be complex. Our roof insurance claim assistance service guides Orlando homeowners through documentation, adjuster meetings, and — if needed — appeals on denied or underpaid claims.
📞 Call or text Topline Roofing at 407-600-4137
📍 Orlando & Central Florida
🛠 Licensed | Insured | Code-Compliant
