Older Roof Coverage in Houston

You may have more home insurance options than you think

Call for Quote or Assistance

Can You Still Get Home Insurance With an Older Roof?

Many Houston homeowners assume an older roof means they cannot change insurance companies, or that their only option is reduced roof coverage. That is not always true.  If you're reviewing your current Houston home insurance policy, it may be worth exploring available coverage options before your renewal date.

Coverage options can vary based on roof age, roof condition, prior claims, roof materials, and current insurance company guidelines.  In some cases, an inspection may be used to help determine whether the roof is still in acceptable condition.

The best time to review your options is before your renewal date, especially if your premium increased, your deductible changed, or your roof coverage was reduced.

qtq80-8megG5

Why Roof Age Is Only Part of the Story

Some insurance companies look at more than just the age of a roof. The overall condition of the roof, maintenance history, roof material, prior claims, and inspection results may all play a role.

A well-maintained roof that is 15 to 20 years old may have different options than a roof of the same age that shows signs of wear or damage.

Because every home is different, it can be helpful to review your current policy and compare available options before your renewal date.

What Houston Homeowners Should Watch For At Renewal

If your homeowners insurance renewal recently arrived, it may be worth taking a closer look at more than just the premium.

Some homeowners are seeing changes such as:

  • Higher deductibles
  • Roof settlement schedules
  • Changes to roof coverage
  • Windstorm deductible increases
  • Reduced coverage for older roofs

These changes can have a significant impact on what you would receive after a covered loss.

Reviewing your policy before renewal can help you better understand your options and avoid surprises later. Learn more about our Houston Home Insurance options.

Questions To Ask Before Switching Home Insurance

Before changing insurance companies, consider asking:

  • How is roof age evaluated?
  • Is an inspection required?
  • What deductible options are available?
  • How are wind and hail claims handled?
  • Are there coverage options available for older roofs in good condition?

Every insurance company has its own underwriting guidelines, which is why comparing options can sometimes produce different results.

Have Questions About Your Roof Coverage?

If you're concerned about an older roof, a premium increase, or changes to your roof coverage, it may be worth reviewing your options before your next renewal.

Call Steve Griffin Insurance Agency at (713) 466-5223 to discuss your situation and see what options may be available.

You can also learn more about our Houston Home Insurance options.

You May Also Find These Guides Helpful:

Request A Call