06/24/2026
Roof Series: Many carriers have strict cutoff points:
🔸 15–20 years for asphalt shingles
🔸 40+ years for metal roofs
🔸 20–30 years for tile
If your roof is older than their guidelines, the carrier might:
âś” Decline the policy
âś” Require documentation
âś” Offer actual cash value instead of replacement cost
âś” Request repairs before binding
Roof age = a major factor in getting covered.
