Will Insurance Cover a 15-Year-Old Roof?

If your commercial roof is approaching 15 years of service, you may be wondering whether your property insurance will still cover it. In many cases, the answer is yes — but only if the damage results from a covered event such as wind, hail, or severe storms.

Insurance will not cover normal aging, deterioration, or deferred maintenance. However, if you can document storm-related damage, you may qualify for significant repairs or even a full roof replacement under your policy.

Here’s what Florida property managers and building owners need to know when evaluating insurance coverage on aging commercial roofs.

What Roof Damage Does Insurance Cover?

Commercial property insurance typically covers sudden, unexpected damage caused by:

• Hurricanes and tropical storms
• High winds
• Hail impact
• Falling trees or airborne debris
• Fire
  
  

Insurance generally does not cover:

• Normal wear and tear from aging materials
• Lack of routine maintenance
• Pre-existing or previously undocumented damage
  
  

That means if your 15-year-old commercial roof is simply reaching the end of its service life, insurance will not fund a replacement. However, if high winds lift seams, hail dents metal panels, or debris punctures the surface, you may have grounds for a valid claim. In these cases, the key is proper documentation insurers typically require clear evidence that the damage came from a sudden, covered event rather than long-term deterioration.

Working with a professional roofing partner ensures you have inspection reports, photos, and supporting details to strengthen your case and improve your chances of approval.

How Old Can a Roof Be for Insurance to Cover It?

Most insurers in Florida evaluate roofs based on type and expected lifespan:

• Asphalt shingles: 15–20 years
• Architectural shingles: 15-20 years
• Tile roofs: 20-30 years

How Do Insurers Decide if a Roof Claim Is Approved?

When reviewing a claim, insurers evaluate several key factors:

• Cause of damage – Was the issue the result of a storm, high winds, or hail, or is it simply due to age and normal wear? Only sudden, accidental events are typically covered.
  
  
• Extent of damage – Adjusters will determine whether targeted repairs are sufficient or if a full roof replacement is necessary. In many cases, widespread or system-level damage is more likely to qualify for replacement.
  
  
• Claim history – If your property has multiple roof-related claims within the past five years, insurers may raise premiums, reduce coverage, or scrutinize your current claim more closely.
  
  
• Roof lifespan – Every roofing material has an expected service life. If your roof has already exceeded that timeframe, your coverage could be reduced or denied, even if storm damage is present.
  
  

Because insurers weigh these factors carefully, the strength of your inspection report is critical. A thorough report should include detailed photos, moisture scans if applicable, maintenance history, and a professional assessment of whether the damage is storm-related or due to age. The more complete your documentation, the better your chances of approval and fair compensation.

Is It Worth Filing a Claim on a 15-Year-Old Roof?

Yes, if you have storm-related damage. Even older roofs can qualify for insurance coverage if damage is properly documented. Keep in mind:

• Filing multiple small claims can raise premiums
• A denied claim still goes on your insurance record
• If damage is extensive, it’s almost always worth filing
  
  

Tip: Ask your roofing contractor to provide an inspection report before filing. This helps you know whether you have a solid case.

How Old Is an Uninsurable Roof?

Many insurance companies in Florida will not write or renew policies on roofs older than 20 years, especially if they are asphalt shingle roofs. Tile and metal roofs may be allowed up to 30–40 years with inspection approval.

At 15 years, your roof is still insurable, but insurers will pay close attention to its condition.

Should You Replace a 15-Year-Old Roof Before Selling?

It depends on the roof type and condition.

• Asphalt roofs near 15–20 years may worry buyers and insurers. Replacing could make your home easier to sell.
• Tile or architectural shingle roofs may still be in good shape, so replacement isn’t always necessary.
  
  

A pre-sale inspection can help you decide whether replacement or coating is a smart investment.

What To Do If Your 15-Year-Old Roof Has Storm Damage

1. Schedule a professional inspection immediately after the storm
2. Document damage with photos and a written report
3. File your insurance claim promptly — insurers want to see recent, storm-related damage
4. Meet with your insurance adjuster and share the inspection details
5. Work with a licensed roofing contractor experienced in insurance claims
   
   

Take Action Today

At Best Roofing, we’ve been helping Florida property managers and building owners protect their investments for more than 47 years. Our team provides thorough inspections, detailed photo documentation, and claim support to give you the strongest case for insurance approval. Beyond repairs or replacements, we also guide you through material options, long-term maintenance strategies, and compliance with Florida’s evolving building codes.

Don’t leave your property exposed — call today to schedule a free commercial roof inspection and find out whether your 15-year-old system qualifies for coverage, repair, or replacement. With Best Roofing, you’ll have a partner focused on protecting your building, your tenants, and your bottom line.