How Roof Age Impacts Insurance Rates in Texas

​Did you know your roof’s age could be costing you hundreds on your home insurance?


In Texas, insurers take roofing year seriously — especially with the rising risk of hail and wind damage. Here’s what you need to know about how it affects your rate and coverage.

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✅ Newer Roof = Lower Premiums

• Insurers generally offer discounts for newer roofs (usually 0–10 years old), especially if the roof is made from durable, impact-resistant materials.
  
  
  
• A new roof lowers the insurer’s risk of payout, particularly for hail and windstorm claims — which are the #1 cause of property loss in Texas.
  (Insurance Information Institute, 2024)
  
  
  

⏳ Older Roof = Higher Premiums and Reduced Coverage

• Once your roof is over 10–15 years old, many Texas insurers will:
  
  
  • Increase your premium
    
    
  • Require actual cash value (ACV) instead of replacement cost
    
    
  • Deny roof coverage altogether unless it passes inspection or is replaced
    
    
    
• Roofs over 20 years old often require proof of recent repairs or may lead to non-renewal
  
  

📉 ACV vs. RCV: What It Means for Your Roof Term
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Replacement Cost Value (RCV)
Pays full cost to replace the roof (minus deductible)
More expensive policy, better protection less out of pocket in the event of a claim.

Actual Cash Value (ACV)
Deducts for depreciation based on age
Cheaper premium, but larger out-of-pocket cost if you file a claim

💡 Many Texas insurers are now defaulting to ACV for roofs over 10-15 years old and lower if the carrier has strict underwriting, especially in hail-prone areas like DFW and Central Texas.



🔎 Why Roof Age Matters So Much in Texas

• Hail is a major risk: Texas leads the U.S. in hail damage claims — accounting for nearly 20% of all U.S. hail loss.
  
  
  
• Severe weather frequency is increasing: Storms are getting more frequent and intense, which drives claim volume.
  
  
  
• Roof replacements are expensive: The average roof replacement in Texas ranges from $12,000 to $20,000 depending on size, pitch, and materials.
  
  
  

Insurers are adapting by using roof-specific rating factors, inspections, and even drone footage to assess roof condition before writing a policy.​


🛡️ How Corin Insurance Group Can HelpAt Corin Insurance Group, we work with multiple A-rated carriers and understand the unique challenges of insuring homes in Texas. If your roof is aging or your renewal premium just increased, we can:

• Compare replacement cost vs. ACV options
  
  
• Identify carriers offering better rates for your roof year
  
  
• Review your roof age in underwriting to avoid coverage gaps
  
  
• Recommend policies that balance cost and protection
  
  

Visit www.coringroup.com to get a custom home insurance quote — with or without a recent roof update.