Will insurance cover a 15-year-old roof?

Whether insurance covers a 15-year-old roof depends on:

• Roofing material: Many insurers limit coverage for asphalt shingles at 10–15 years, but may still cover metal or tile roofs at 15 years.
  
• Condition: If the roof is well-maintained with no pre-existing damage, coverage may still apply.
  
• Policy type: Some policies will only cover actual cash value (ACV) for roofs older than 10 years, while newer roofs may qualify for replacement cost value (RCV).
  

In Florida, stricter rules have been introduced due to storm-related claims, so it’s essential to review your policy and confirm with your insurer.