- Refusing to renew existing homeowner insurance policies on houses with roofs older than 20 years without passing an inspection; failed inspections often require roof replacement prior to renewal.
- Not writing new policies for homes with roofs over 20 years old.
- Paying actual cash value for roof replacement for older roofs.
Is newer always better? When it comes to insuring roofs, it is. Many home insurance companies are becoming more restrictive when it comes to roof coverage. Key examples: