Our Roof Rescue program

Built for exactly this situation: if your realtor or insurance agent refers you, we inspect within two days and the inspection plus the written age/condition report are free. No obligation.

Frequently Asked Questions

Will homeowners insurance replace my 20-year-old roof in Ohio?
Only if there's a covered loss like hail or wind damage. Age and wear alone aren't covered. Many Ohio carriers flag roofs 15+ at renewal — a written inspection report is your best response.

What does actual cash value vs. replacement cost mean for an old roof?
Replacement cost pays to install a new roof (minus deductible). Actual cash value pays the depreciated value — on a 20-year-old roof, that's far less. Check your policy's declarations page.

Should I file a claim to find out if my roof qualifies?
Get an independent inspection first. Filing a claim that goes nowhere can still show up on your insurance record.

Related: Storm Damage & Insurance Claims| Roof Too Old for Insurance| Roof Repair in West Chester, OH

Will Insurance Replace a 20-Year-Old Roof in Ohio?

Expert Residential Roof Replacement in West Chester, OH

Sometimes — but age alone isn't a covered loss. Insurance pays for sudden, accidental damage (hail, wind, fallen trees), not for a roof wearing out. That said, many Ohio carriers now flag roofs 15 years and older at renewal or when you buy a policy, and some require an inspection or a replacement timeline. If your roof is 15-plus and your insurer is asking questions, get a professional inspection with a written age-and-condition report before you talk to them — we do that inspection and report free.

Why insurers care about roof age

In Ohio, carriers have tightened roof underwriting in recent years. A roof over 15 years old can trigger a renewal questionnaire, a requirement to replace within a set time, or in some cases non-renewal. This isn't about a claim — it's the insurer managing risk on an aging roof. A documented inspection showing your roof's actual condition (not just its birthday) is your best response.

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When insurance does pay for a roof

Storm damage: hail bruising, wind-lifted or missing shingles, fallen debris. This is what policies are for, regardless of roof age. What matters: whether your policy pays replacement cost or actual cash value (depreciated). On a 20-year-old roof, that distinction can be thousands of dollars — read your declarations page or ask your agent. What insurance won't cover: curling, granule loss from age, and general wear. That's maintenance, not a loss.

What to do if your insurer flags your roof

Get an independent inspection first — one that documents age, condition, and remaining life in writing. Ours is free, usually within two days. Don't file a claim just to "see." Talk to your agent about what your policy actually covers. If there is storm damage, document it, file, and have your contractor meet the adjuster on site. We do this routinely.

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