Your roof is one of the most important parts of your home—and your insurance company knows it. The age, material, and condition of your roof can all impact your premiums and even whether you’re eligible for coverage.

Why Roofs Matter to Insurers

Roofs are your first line of defense against weather damage. A failing roof increases the likelihood of claims from leaks, mold, and structural damage.

Factors Insurers Consider

• Age: Roofs older than 15–20 years may trigger higher premiums or policy restrictions.

• Material: Metal and tile roofs often last longer and may qualify for discounts, while wood shake roofs can be riskier.

• Condition: Visible wear, curling shingles, or moss growth can lead to inspection issues.

Discounts for Upgrades

Some insurers offer premium reductions if you upgrade to impact-resistant shingles or other durable materials that perform better in storms.

The Bottom Line

If your roof is aging or showing signs of wear, don’t wait until after a storm to address it. Updating your roof not only protects your home but could also save you money on insurance.