An old or damaged roof creates a risk of increased damage to your home and may lead to you not being able to get home insurance. That’s why it’s important to keep your roof in good condition and know when it’s time for a new roof. Here’s what you should consider.
How Long Should a Roof Last?
The typical roof will last somewhere between 15 to 30 years. You’ll find different answers because it depends on the type of roof and the climate you live in. A severe storm or other types of damage could also shorten your roof’s expected lifespan. To find out how long your specific roof should last, talk to the original installer or get a roof inspection to see how much more life it has.
What Can Happen if You Have Roof Damage?
Roof damage creates a number of perils for your home. The most obvious is that it protects your home from rain and melting snow. Leaks in your roof can allow that water to get inside and cause damage. Your roof also protects your home against wind and helps to funnel high winds away. If your roof has become loose or has holes in it, the wind could get inside, lift up your roof, and then damage the rest of your home. Finally, shingles or other parts of your roof blowing off could damage your own property or leave you liable for property damage to a neighbor.
What Should You Do if You Have Roof Damage?
If you have roof damage, you should schedule a professional repair or replacement as soon as possible. Your home insurance policy generally requires you to take reasonable steps to keep your home in good repair. If you don’t fix your roof and have further damage as a result, your home insurance company may deny your claim.
What Should You Do if You Have an Older Roof?
Home insurance companies have limits for how old of a roof they’ll insure and may require an inspection to make sure your roof is in good condition. When you get to that point, your home insurance company may require you to install a new roof to keep your insurance.