Will Insurance Cover a 20-Year-Old Roof?

March 28, 2025

When it comes to protecting your home, your roof is your first line of defense. But what happens when your roof starts showing its age—especially after 20 years? One of the most common questions we get at Bartlett Contracting, LLC is: “Will my insurance cover a 20-year-old roof?” The answer isn’t always black and white, but we’re here to help break it down for you.

Insurance Coverage Depends on Several Factors

1. Type of Policy You Have
Homeowners insurance typically covers damage caused by unexpected events like storms, fires, or fallen trees. However, when it comes to older roofs, the type of coverage can vary:

Replacement Cost Value (RCV): Covers the full cost of replacing your roof, minus your deductible.

Actual Cash Value (ACV): Covers the depreciated value of your roof, taking age and wear into account.

If your 20-year-old roof has depreciated significantly, you may only receive a small payout under an ACV policy—especially if the damage is due to age rather than an insurable event.

2. Roof Condition Before Damage
Insurance companies expect homeowners to maintain their roof. If your roof was already in poor condition before a storm or accident, your claim may be denied. That’s why regular maintenance and documentation are essential.

At Bartlett Contracting, LLC, we always encourage Connecticut homeowners to schedule periodic roof inspections so you can keep track of your roof’s condition and catch small problems before they become costly.

3. Roofing Material
The lifespan of your roof varies depending on the material. Asphalt shingles typically last 20 to 30 years, while metal and tile roofs can last much longer. If your roof is right at the 20-year mark and made of asphalt, your insurer may consider it near the end of its life—even if it looks okay on the surface.

What You Can Do

If your roof is 20 years old or older, here are a few steps you can take to make sure you’re protected:

Review Your Policy: Understand whether you have RCV or ACV coverage.

Schedule a Roof Inspection: Document the current condition of your roof with photos and a professional report.

Keep Up With Maintenance: Clear gutters, trim overhanging trees, and replace missing shingles promptly.

And if your roof does need replacement, don’t wait until it’s too late. An aging roof is more vulnerable to leaks, mold, and structural damage—all of which can make insurance claims even more difficult.

Let’s Talk Roofing Before It’s an Emergency

At Bartlett Contracting, LLC, we’ve been helping Connecticut homeowners protect their homes for over 20 years. Whether you’re unsure about your insurance coverage or think it might be time to replace your aging roof, our team is here to help you make informed decisions.

Call us today at (860) 362-2783 or visit bartlettcontractingllc.com to schedule a free roof inspection and consultation. Don’t wait for a disaster—let us help you plan ahead and keep your home safe.