When it comes to Home insurance, your roof does a lot more than keep the rain out. It’s one of the first things insurance companies look at when deciding whether to insure your property, how much to charge, and even whether to renew your policy.

So yes – your roof matters. Big time.

Whether you are living under it or renting the place out, the roof plays a key role in your home’s overall insurability, and ignoring its condition could cost you. Literally.

Let’s break down the main roof-related factors insurers consider – and what that means for you.

In California, once your roof hits 20 years old (give or take, depending on the material), your insurance company may:

• Require a roof inspection before renewal
• Offer limited roof coverage
• Charge a higher premium
• Decline the policy altogether

What you can do: If your roof is nearing that “retirement age,” consider budgeting for a replacement or at least getting a roof certification to prove it’s still in decent shape.

Insurance will typically cover damage caused by a sudden and accidental loss, such as:

• Windstorm
• Hail
• Fire
• Falling objects

But if the roof fails due to neglect, age, or wear and tear (say, you never fixed that missing shingle from two years ago)? That’s a different story.

Pre-existing damage is often a red flag – and can lead to more than just a denied claim. If your deteriorating roof lets water seep into your attic, walls, or foundation, you are looking at expensive repairs that likely won’t be covered.

What you can do: Routine maintenance goes a long way. Keep gutters clear, replace broken tiles or shingles, and inspect flashing after major storms.

Here’s a quick rundown:

• Asphalt shingles: Affordable and easy to install, even over existing roofs. But they are more vulnerable to rot, algae, and tearing in high winds.
• Tile (clay or concrete): Long-lasting and fire-resistant – great for hot climates. However, they are heavy, pricey to replace, and can break underfoot, which sometimes leads to higher insurance premiums.
• Metal: Reflects heat, resists pests and fire, and generally lasts a long time. Downsides? Expensive to install and dents easily in hail-prone areas.

Not all roofs are created equal – especially when it comes to how they handle wind and water.

• Hip roofs (sloped on all four sides): More wind-resistant and less prone to uplift in storms or hurricanes. Many insurers see them as lower risk.
• Gable roofs (two sloping sides): Classic and cost-effective, but the overhangs can catch wind like a sail – making them more likely to collapse in severe weather.
• Flat roofs: Common on commercial or modern homes, but can collect water or snow. That standing moisture increases the risk of leaks and structural issues.

What you can do: If you are buying or renovating, know the pros and cons of your roof shape – especially if your property is in a wildfire zone, near the coast, or exposed to high winds.

Learn more about how to make sure your property is insurable in California here.

Roofs might not be the most glamorous part of homeownership, but they’re absolutely one of the most important – especially when it comes to insurance. A well-maintained, thoughtfully designed roof can help you stay covered, keep your premiums in check, and give you peace of mind when the wind (or wildfire) picks up.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

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