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Will Insurance Cover a 20 Year-old Roof

Date: October 7, 2023


When you find yourself dealing with a 20 year-old roof in Wisconsin and the inevitable need for repairs or a replacement arises, a critical question emerges: will insurance cover a 20 year-old roof in Wisconsin? In this blog post, we'll explore the intricacies of insurance coverage for aging roofs specifically within the context of Wisconsin and furnish you with the knowledge necessary to navigate this scenario effectively.

Will Insurance Cover a 20 Year-old Roof

Will Insurance Cover a 20 Year-Old Roof?

The short answer is that it depends. Insurance coverage for a 20-year-old roof can vary from one policy to another and may be influenced by factors such as your insurance provider, your location, and the specific circumstances surrounding your roof's condition. 

Here are some key points to consider:

  1. Insurance Provider: Different insurance companies may have different policies regarding roof coverage. Some insurers may offer coverage for roofs that are over 20 years old, while others may have stricter guidelines or limitations. It's important to review your specific insurance policy or contact your insurance provider directly to understand their stance on older roofs.
  1. Roof Condition: The condition of your roof plays a significant role in determining whether it will be covered by your insurance. If your roof is well-maintained and in good condition despite its age, it may have a better chance of being covered. However, if the roof is in poor shape, has existing damage, or has not been properly maintained, your insurance provider may be less likely to cover it.
  1. Location and Climate: The geographical location of your home can also impact your insurance coverage. Homes in areas prone to severe weather conditions, such as hurricanes, tornadoes, or hailstorms, may face different insurance requirements or limitations. In some cases, insurers may offer specialized coverage for roof damage caused by specific weather events.
  1. Policy Details: The specifics of your insurance policy matter. Some policies may cover roof damage as part of their standard coverage, while others may offer it as an optional add-on or endorsement. Review your policy documents to understand what is covered and any limitations or exclusions that may apply to your roof.
  1. Deductibles and Replacement Cost: Even if your insurance covers roof damage, you may still have to pay a deductible before the coverage kicks in. Additionally, insurance policies may provide coverage for the actual cash value (ACV) of the roof (accounting for depreciation) or for the replacement cost value (RCV), which provides coverage for the full cost of repairing or replacing the roof. The type of coverage you have can affect the amount you receive for roof repairs or replacement.
  1. Roof Inspection: Some insurance companies may require a roof inspection before providing coverage or renewing your policy. The inspection may assess the condition of the roof and its estimated remaining lifespan.
  1. Age Limitations: While your roof is 20 years old, some insurance policies may have specific age limitations. For instance, they may cover roofs up to a certain age (e.g., 25 years) or offer reduced coverage for older roofs.
Will Insurance Cover a 20 Year-old Roof

Understanding Insurance and Roof Age

Insurance companies assess the condition of your roof as part of their risk assessment. A 20-year-old roof may be considered aging, and insurers may have different policies when it comes to covering older roofs. 

Here are some key points to consider:

  1. Policy Variations: Insurance policies differ, and some providers may have more lenient guidelines regarding older roofs, while others may be more stringent.
  1. Location Matters: The climate and weather conditions in your area can impact your roof's wear and tear. Homes in regions prone to severe weather may face different insurance considerations.
  1. Roof Maintenance: Regular maintenance and upkeep of your roof can play a role in insurance coverage. A well-maintained older roof may be more likely to receive coverage than one that has been neglected.
Will Insurance Cover a 20 Year-old Roof

Steps to Assess Your Insurance Coverage

To determine whether your insurance will cover a 20-year-old roof, consider taking the following steps:

  1. Review Your Policy:

Carefully read your insurance policy documents. Pay close attention to sections related to property coverage, specifically the section that addresses your roof. Look for any clauses or terms that pertain to roof coverage and the age of your roof. Insurance policies can vary widely, so understanding the specifics of your policy is crucial.

  1. Contact Your Insurance Provider:

If you have questions or concerns about your policy's coverage for an aging roof, it's essential to get in touch with your insurance provider. You can reach out to your insurance agent or customer service department. Ask for clarification on your policy's terms and conditions regarding roof coverage. Inquire about any options or endorsements that might be available to enhance your coverage.

  1. Assess Your Roof's Condition:

Inspect your roof for visible signs of damage, leaks, or wear and tear. Some specific things to look for include:

  • Missing or damaged shingles or roofing materials.
  • Water stains or signs of leaks on your ceiling or walls.
  • Sagging or uneven areas on the roof.
  • Moss or algae growth, which can indicate moisture issues.
  • Any evidence of previous repairs or ongoing issues.
  • Document your findings with photographs and notes. This documentation can be valuable if you need to file a claim.
  1. Consider Maintenance:

Roof maintenance is crucial for ensuring its longevity and insurability. If your roof is in good condition despite its age, it's more likely to be eligible for coverage. Consider the following maintenance tips:

  • Regularly clean your gutters and remove debris from your roof.
  • Inspect the roof for damage after severe weather events.
  • Address small issues promptly to prevent them from escalating.
  • Hire a professional roofing contractor for periodic inspections and maintenance.
  • Keep records of all maintenance and repair work done on your roof, including dates and receipts. This documentation can serve as evidence of your commitment to maintaining the roof's integrity.
Will Insurance Cover a 20 Year-old Roof


In conclusion, the question of whether your insurance will cover a 20-year-old roof in Wisconsin hinges on a multitude of factors, encompassing the nuances of your insurance policy, your geographical location within Wisconsin, and the precise condition of your roof. To navigate this matter effectively, it is imperative to meticulously scrutinize your insurance policy, initiate contact with your insurance provider for region-specific clarification, and conduct a comprehensive assessment of your roof's current state. Furthermore, it is worth noting that the consistent practice of routine maintenance and the swift addressing of repairs can assume a pivotal role in preserving the insurability of your roof.

It is paramount to keep in mind that insurance coverage can exhibit significant disparities, necessitating a thorough understanding of your unique circumstances. Armed with this knowledge, you can make well-informed decisions to safeguard your home and assets in the picturesque state of Wisconsin.

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