Will My Insurance Company Drop Me If I Have an Old Roof?

Can My Insurance Company Cancel My Policy or Refuse to Renew It Because of My Roof’s Age?

The short answer? Yes, they can. Home insurance companies in Bel Air, MD and the surrounding areas have been tightening their policies when it comes to older roofs. Many insurers now view aging roofs as a high risk, which can lead to higher premiums, non-renewal, or even outright cancellation. Here’s what you need to know to protect your home and your coverage.

How Insurance Companies View Aging Roofs

Insurance companies are all about risk management, and an old roof is a red flag. A deteriorating roof increases the chance of leaks, structural damage, and costly claims. Here’s how most insurers assess risk based on roof age:

Asphalt Shingle Roofs (most common roof in Bel Air, MD and the local area):
May be flagged once they hit 15–20 years old
Metal Roofs:
Can last 40–70 years, making them a lower risk
Slate & Tile Roofs:
Typically last 50+ years, but still may require periodic inspections
Flat Roofs (often found on commercial buildings or row homes):
Can be a concern after 10–15 years due to drainage issues

Some insurance companies refuse to cover roofs over a certain age altogether—even if there’s no visible damage. Others will continue coverage but impose higher deductibles or limit payouts to actual cash value (ACV) instead of full replacement cost (RCV). This means if you file a claim, they’ll only reimburse you for the depreciated value of your roof, not what it actually costs to replace it.

Can an Insurance Company Cancel My Policy Due to an Old Roof?

In Maryland, home insurance companies cannot cancel your policy in the middle of your term just because of an aging roof. However, they can refuse to renew your policy when your term is up if they determine your roof is too old or in poor condition.

Here’s how it usually happens:

The Insurance Company Requests a Roof Inspection:
If your roof reaches a certain age (usually around 15–20 years for asphalt shingles), your insurer may require an inspection before renewal. A roofer in Bel Air, MD can provide that inspection.
You Receive a Notice of Required Repairs or Non-Renewal
If they determine your roof is too worn, they may offer a conditional renewal (requiring repairs or replacement) or a non-renewal notice, meaning you’ll need to find a new insurer.
Policy is Dropped or Coverage is Limited
Some companies will exclude roof damage from coverage if they consider your roof past its lifespan. Others may increase your deductible specifically for roof claims.

This is especially important in Harford County and Baltimore County, where storms, high winds, and seasonal weather fluctuations can age roofs faster than expected. If you need a roofer in Bel Air, MD, to inspect or replace your roof, it’s best to act before your insurance policy is affected.

How to Keep Your Home Insurance with an Older Roof

If your roof is getting up there in age but still in good condition, there are several ways to maintain your coverage and keep costs reasonable.

Get a Professional Roof Inspection
A certified roofer in Bel Air, MD, can provide a detailed inspection report showing your roof’s current condition. This can help dispute an insurer’s decision if they claim your roof is a risk when it’s actually holding up fine.
Perform Preventative Maintenance
Regular maintenance can extend your roof’s life and keep insurers happy. This includes:
- Replacing missing or damaged shingles
- Sealing flashing around chimneys and vents
- Cleaning out gutters to prevent water damage
- Checking for leaks in your attic
Consider Roof Repairs Instead of Full Replacement
If your insurance company flags your roof but you’re not ready for a full replacement, strategic repairs might be enough to satisfy their concerns.
Shop Around for New Insurance
If your current insurer won’t renew your policy, Maryland has multiple home insurance providers, and some have more flexible roof policies. Independent insurance agents can help you compare options.
Plan for a Roof Replacement Before It’s Too Late
If your roof is approaching 20–25 years old, start budgeting for a replacement before you run into coverage issues. Some insurers even offer discounts for new roofs—especially if you upgrade to impact-resistant shingles or energy-efficient materials.

Need a Roof Inspection or Replacement?

If your insurance company is making noise about your roof, don’t wait until it’s too late. At Premier Roofing, we provide detailed roof inspections, full replacements, and repairs to help keep your home covered—by both your roof and your insurance policy.

Looking for a roofer in Bel Air, MD? Call us today for a free estimate.

Serving Bel Air, Harford County, Baltimore County, and surrounding areas.

Get A Free Estimate!