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Roof Replacement required by Home Insurance? What to do with my 9-10 years Old Roof of the House?

Your roof is 9-10 years old? So here’s what you need to know...

Roof Replacement required by Home Insurance? When considering investments, your roof is one of the largest and most important investments you will make. Your roof will age, as everything does, so there are some things that you need to keep in mind when you have an old roof and in need of the roofing for home insurance.

Homeowners Insurance roofing requirements.

Homeowners insurance is one of the greatest factors you need to be mindful of, as your insurance provider may not allow you to renew your policy due to the age of your roof. In some instances, homeowners insurance providers may force you to replace your roof as an older roof can be a hazard or liability for the insurance provider, especially with the inclement weather in Florida..

Something else to keep in mind is that you will be unable to file an insurance claim for an older roof as these claims typically only cover incidental damages and not normal wear and tear. In most cases, a 10-15 year old shingle roof is assumed to have reached the end of its lifespan. But homeowners insurance companies sometimes won't extend the coverage by the time your roof is still under 10 years old. Roof Replacement required by Home Insurance

Insurance companies give Discounts on premiums for the Roofing Upgrades!

Some roofing upgrades will give you discounts on the premiums you pay for your homeowners insurance. Some upgrades that can be made to your roof are hurricane clips, brackets, higher level wind resistant roofing materials, some types of repairs, sealants, insulation and the age of the roof itself. Dunedin based roofing contractor, GREEN LEAF ROOFING can provide all types of roofing upgrades for your insurance needs. We always do things properly with Roofing Permits in place that insurance companies will need to check! Once these specific roofing updates were completed, we can give you a contact of one of our trusted roofing inspection specialists to give you a new Roof Report specifically for your insurance company as roofing companies can't inspect and do reports on their own work.

Repairs For an Old Roof.

You may want to have repairs performed when coming across a leak or other issue regarding your roof. However, when dealing with a 10 year old roof in Florida, we strongly suggest that you do not continue to repair the damages as it is no longer worth the expense in most cases. Roof repairs cause vibrations throughout the roofdeck which can cause vulnerable areas to tear, often far from the repair area, and ultimately causing water intrusion and a more costly repair. Painting the roof is also not suggested, as it may trap moisture and this can lead to other various issues such as mold, bulging of materials, etc. When your roof has reached this point, it is suggested that a roof replacement takes place instead.

Roof Maintenance.

While it is suggested that you keep your roof clean, if your roof is older than 15 years, you should not pressure clean the roof as it may cause additional strain which could lead to new leaks. At this point of your roof’s life, it is also possible that the tiles or shingles are already compromised and the water pressure may lead to damages..

If you are living in Florida and own a multi-level home with a 10 year old roof, you should check for cracks on the walls of the second story. These cracks can be a telling sign that moisture is entering through the cracks and becoming trapped behind the stucco. Again, this can be a hazard, as ongoing moisture can lead to trouble.

Investing in a new Roof.

Financially, it would be in your best interest to replace your old roof as repairs can quickly add up and become more costly than a replacement. We understand that a new roof can be a big investment and offer different financing options that meet your needs. you as the homeowner, may end up saving a similar amount per month from insurance credits and reduction in energy expenditure. While having your roof replaced may be costly, there is one thing you can rest assured it will not cost you, and that is your peace of Florida.

After you replaced your roof

This is the time when you would require to do a new four-point inspection of your house and submit the report to your insurance company so they could extend your homeowners insurance coverage.

Working With Roofing expert.

Who you choose to work with for your roofing project makes a significant difference in the longevity of your new roof. GREEN LEAF ROOFING has been serving homeowners in Florida with high quality and reliable roofing services. We have the experience, resources, and Licence required for any size residential roofing project.

For a free consultation, please contact us at 813-577-2488

We serve these areas of Pinellas County:

  • Dunedin

  • Palm Harbor

  • Safety Harbor

  • Clearwater

  • Largo

  • Tarpon Springs

  • Westchase

  • Oldsmar, and more



2001 Culberson Ave Culberson Ave,

Dunedin 34698 FL

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Green Leaf Roofing LLC
Green Leaf Roofing LLC
02 avr. 2020

The best thing is to remove it as it poses great health hazards. We can remove it and reroof the garage for you with tiles/shingles. Please contact us or send us an email and we will help you to choose the best option.


Viktoriia Keeling
02 avr. 2020

What if I have some old asbestos on my garage roof? What can I do with that??

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