Texan Roofing Inc. helps homeowners protect their homes by replacing older roofs when insurance companies restrict coverage. Across Texas, insurers are tightening their rules on roof age because of frequent hail and wind claims. If your roof is 10 to 15 years old, you may already be seeing higher premiums, reduced payouts, or non-renewal notices. The good news is you have options, and Texan Roofing is here to help you make the smart move before a storm puts you in a tough spot.
Why insurance companies are pulling back on older roofs
Insurance companies in Texas are facing heavy losses from repeated hailstorms and severe weather. Older roofs are more likely to suffer damage, so carriers are putting strict limits in place. Here is what many homeowners are seeing:
- Non-renewal. The carrier declines to renew the policy once your roof crosses a certain age.
- ACV only. Instead of paying full replacement cost, the carrier pays Actual Cash Value, which subtracts depreciation. That can leave you with a big bill.
- Coverage denial. Some companies refuse roof coverage unless the roof passes inspection or is replaced.
- Premium spikes. Coverage may be offered, but at a much higher price.
- Forced replacement. Replace the roof by a deadline or lose the policy.
These rules can hit hard after a storm. If your policy only pays ACV, the check you receive may be far less than what a full replacement costs. That small print surprises a lot of families when they need help most.
What Houston homeowners should do now
Getting ahead of this trend can save you money and stress. Here is a simple plan:
- Check your policy. Look for “roof payment schedule,” “ACV,” or other roof-age clauses. If you are not sure what they mean, send the documents to a trusted roofing professional who can explain them in plain English.
- Schedule a professional inspection. A licensed roofing contractor can assess your roof’s true condition and remaining life, then document it with photos. This helps when you talk with your insurer or decide on next steps.
- Shop coverage with an agent. Different carriers have different age cutoffs. An independent agent can sometimes place you with a company that has more flexible rules.
- Plan for replacement. If your roof is 15 to 20 years old, a proactive replacement can protect your home, keep coverage in place, and prevent surprise costs after the next hailstorm.
- Know your safety net. If you live on the coast and cannot get coverage after trying multiple carriers, learn about the Texas Windstorm Insurance Association. You can read more about TWIA here: Texas Windstorm Insurance Association on Wikipedia.
How Texan Roofing makes this process easier
Texan Roofing Inc. delivers expert inspections, honest guidance, and high-quality roof replacements that keep your home protected. Our team has years of experience working with Houston homeowners, and we understand both roofing standards and the realities of insurance policies.
What you can expect with Texan Roofing:
- Clear inspection and report. We document your roof’s condition with photos, notes, and recommendations you can share with your agent or carrier.
- Straight talk on ACV vs RCV. We explain how your coverage works so you can avoid surprise out-of-pocket costs.
- Product options that last. We help you choose shingles or metal systems that offer better impact resistance and strong manufacturer warranties.
- Quality workmanship. Our crews follow best practices for decking, underlayment, flashing, ventilation, and clean-up. You get a roof built to perform.
- Trusted service. We show up on time, communicate clearly, and stand behind our work. That is how we have earned trust across Houston.
If you want to learn more about our replacement process, see our page on Residential Roof Replacement. If you need us to take a look, book a Roof Inspection today.
ACV vs RCV at a glance
When storms hit, the type of coverage on your policy matters. Use this quick comparison to see the difference.
| Coverage Type | What it Pays | What it Means for You |
| Actual Cash Value (ACV) | Depreciated value of your roof | Smaller payout, bigger out-of-pocket cost, especially on older roofs |
| Replacement Cost Value (RCV) | Full cost to replace with similar materials, minus deductible | Larger payout, lower surprise costs after a storm |
If your policy has moved to ACV for roof claims, replacing an older roof before storm season can protect your budget. We can walk you through options that help you keep strong coverage.
Signs your roof may be at the “replace soon” stage
- Shingles are curling, cracking, or losing a lot of granules
- You see dark streaks, moss, or soft spots
- Flashing around chimneys or vents looks worn or loose
- You have interior stains on ceilings or walls
- Your roof is 10 to 15 years old, even if it “looks fine” from the street
An inspection from Texan Roofing will confirm what is really happening and help you decide the right time to replace.
What proper roof replacement includes
When we replace the roof, we do it the right way so you get full value:
- Decking check and repairs where needed
- Premium underlayment for better water protection
- Correct flashing and drip edge to seal water paths
- Starter courses and ridge caps installed per manufacturer specs
- Balanced attic ventilation for longer shingle life and better energy performance
- Thorough clean-up with magnets and haul-off, so your yard is spotless
Quality is not just the shingle on top. It is how each layer works together to handle Texas weather.
Financing and timing
Many homeowners line up financing so they can replace an aging roof before coverage changes. We can help you understand timing, material lead times, and install windows so you avoid policy disruptions. Replacing a worn roof now often costs less than paying higher premiums, risking ACV payouts, or getting caught after a major hailstorm.
FAQ
How old is too old for insurance companies in Texas?
Many carriers tighten coverage at 10 to 15 years, with more strict rules at 15 years and older. Each insurer is different, which is why an inspection and a conversation with your agent are important.
Will a new roof lower my insurance premium?
Often yes, because a new roof reduces risk. Some carriers also offer discounts for impact-resistant shingles. Ask your agent and keep your install documents handy.
If my policy is ACV, should I still replace my roof?
If your roof is near the end of its life, replacing it before the next storm can protect your budget. ACV payouts on old roofs can be small. A new roof can help you secure better coverage and reduce out-of-pocket costs after a claim.
What materials hold up best in Houston weather?
High-quality architectural shingles with strong wind ratings and impact resistance perform well. Metal roofing is another durable option. We will help you choose the right system for your home and budget.
Do I have to wait for a leak to replace the roof?
No. A proactive replacement can prevent interior damage, keep coverage in good standing, and avoid emergency pricing or scheduling after a big storm.
Take the next step with a trusted partner
Texan Roofing Inc. helps Houston homeowners secure reliable coverage by replacing older roofs with quality systems that last. Our inspections are clear, our guidance is honest, and our workmanship is proven. If your roof is nearing 10 to 15 years, now is the time to act.
Texan Roofing Inc. helps Houston homeowners replace older roofs as insurance companies restrict coverage. When you are ready, we are ready to build it right.
