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A roof's age alone doesn't automatically determine whether your insurance company will cover damage. If your roof is damaged by a covered event—such as high winds, hail, or a fallen tree—your homeowner's insurance may still pay for repairs or replacement, depending on your policy.
Some insurance companies provide replacement cost coverage on older roofs, while others may only pay the roof's actual cash value (ACV) or may require a separate deductible for wind or hail claims.
If your roof is over 15–20 years old, it's a good idea to have it inspected regularly so you understand its condition before severe weather strikes.
Need an inspection? Summit Contracting provides free roof inspections and can help document storm damage if a claim is appropriate.
Many homeowners worry that simply filing a claim will automatically raise their insurance premium. The reality is more nuanced.
Insurance companies consider several factors, including:
A claim resulting from widespread storm damage may be viewed differently than multiple unrelated claims over several years. In some cases, premiums may not change; in others, they might.
Because every insurer is different, it's often beneficial to have your roof inspected before deciding whether filing a claim makes sense.
Roof replacement costs vary based on several factors, including:
For many Connecticut homes, a complete asphalt shingle roof replacement typically falls somewhere between $10,000 and $25,000+, though larger or more complex roofs can cost more.
The best way to receive an accurate estimate is through an on-site inspection.
Summit Contracting offers free estimates and financing options for qualified homeowners.
Recoverable depreciation is the portion of your insurance settlement that is held back until the covered repairs have been completed.
Here's how it works:
Not every policy includes recoverable depreciation, so it's important to understand your specific coverage.
ACV stands for Actual Cash Value.
With an ACV policy, your insurance company generally pays the current value of your roof after accounting for age and wear—not the full cost of installing a new roof.
For example:
Because ACV policies can leave homeowners responsible for a larger portion of the replacement cost, understanding your policy before a storm occurs is important.
Hail damage isn't always easy to spot from the ground.
Common signs include:
Even small hail can shorten the life of a roofing system. After a significant storm, scheduling a professional inspection is often the safest way to identify hidden damage.
Missing shingles don't automatically result in a denied claim, but they can affect how an insurance company evaluates your roof.
If missing shingles are caused by a covered event such as high winds, your claim may be covered.
However, if the missing shingles resulted from long-term wear, neglect, or lack of maintenance, the insurer may determine the damage isn't covered.
Regular maintenance and prompt repairs can help reduce the likelihood of disputes about the cause of damage.
Most asphalt shingle roofs in Connecticut last between 20 and 30 years, depending on factors such as:
Connecticut's freeze-thaw cycles, snow loads, heavy rain, and occasional high winds can all shorten a roof's lifespan.
If your roof is approaching 20 years old, periodic inspections can help identify issues before they become major repairs.
The right choice depends on your roof's overall condition.
A repair may be appropriate if:
A replacement may make more sense if:
A professional inspection can help determine the most cost-effective solution.
Choosing the right contractor is one of the most important decisions you'll make. Consider asking:
A reputable contractor should be willing to answer these questions clearly and provide documentation when requested.
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