Why Roof Age Impacts Your Insurance Premiums:

• 5+ years old: Insurers often add a 30–40% surcharge because older roofs fail more often in storms.

• 10+ years old: Many carriers drop RVC (Replacement Cost Value) coverage and convert you to ACV (Actual Cash Value) — meaning they only pay a depreciated amount if you file a claim.

• Inspection can help: If we document storm damage, insurers often must repair or replace the roof under RCV, stopping the premium increase and avoiding downgrade to ACV.

Insurance companies are tightening their roof guidelines.

Once your roof reaches 5 years old, many carriers start increasing premiums by 30% to 40%. At 10 years old, some companies shift the roof to ACV — or they may even drop coverage entirely.

Here’s what that means:

RCV (Replacement Cost Value)

This means the insurance company pays to replace your roof at today’s prices, minus your deductible.

Most people have this — until the roof reaches a certain age.

ACV (Actual Cash Value)

This means the insurance company only pays the depreciated value of your old roof.

You receive far less money — sometimes not enough to replace the roof at all.

Many carriers are switching older roofs from RCV → ACV automatically, which leaves homeowners exposed.

That’s why a free inspection matters.

If we find storm-related damage before your policy switches to ACV or before a rate increase kicks in, you may qualify for a full roof replacement at RCV — saving thousands and protecting your coverage.

It’s simple:

Schedule your inspection

We check for storm damage and document everything

You avoid premium increases, ACV changes, or coverage loss

Your roof’s age determines the rules —

its condition determines your options.