Guide
Got a roof-age letter from your insurer? What it means and what to do
A roof-age letter usually means your insurer wants the roof replaced, repaired or documented by a deadline, or plans to change or not renew your coverage because of the roof’s age. Read the letter for exactly what it asks and by when, confirm the details with your agent, and get a real replacement price so you can decide before the deadline.
Updated September 14, 2026
What these letters usually say
- The roof is past an age the insurer is comfortable with, often around 15 to 20 years for asphalt shingles
- You need to replace the roof, or show its condition, by a certain date
- Coverage may change, for example paying the depreciated value of the roof instead of the cost to replace it
- The policy may not be renewed if nothing changes
What to do next
- Find the deadline and the exact requirement: replacement, repair or documentation
- Call your agent to confirm what will satisfy the insurer
- Get a replacement price for your actual roof so you know the number
- If you replace, keep the contract, the permit and the completion photos, because insurers often ask for them
How we help
You can see a price range for your roof in about 10 minutes and reserve an install week that meets your deadline. When the work is done, you get completion photos and the town’s permit sign-off, the documents insurers usually ask for.
We’re a roofing contractor, not an insurance advisor. Your agent is the right source for what your policy requires.
Questions
- Can I get more time from my insurer?
- Sometimes. Ask your agent, because a signed contract or a scheduled install week can help. Only your insurer can extend a deadline.
See a price range for your own roof
About 10 minutes, from aerial measurement. No salesperson.