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As a homeowner, you may find yourself wondering why your insurance would cover damage to an old roof caused by a storm. This question comes up frequently, especially when dealing with insurance claims after a major weather event. At Frontline Adjusters, we believe in empowering homeowners with knowledge. Let’s dive into why insurance policies often cover storm damage, regardless of the age of your roof.

Understanding Homeowners Insurance Coverage

Homeowners insurance is designed to protect you from unexpected and catastrophic losses. This includes damages caused by various perils such as fire, theft, and natural disasters, including storms. The key point is that insurance policies typically cover sudden and accidental damage rather than gradual wear and tear due to aging.

Storm Damage is Considered Sudden and Accidental

Storm damage, by its very nature, is sudden and accidental. When a hailstorm or high winds impact your roof the damage occurs quickly and unexpectedly. This type of damage is distinctly different from deterioration over time, which is why it often qualifies for coverage under a standard homeowners insurance policy. However, the insurance carrier very often has a hard time discerning legitimate storm damage vs wear and tear – that’s why its so important to have a trained professional on site to meet with your insurance adjuster and make sure they don’t miss anything.

The Role of Maintenance and Policy Conditions

While insurance will cover storm damage, it’s crucial to understand the importance of regular maintenance. Insurers expect homeowners to maintain their properties and may deny claims if neglect is evident. However, if your roof was in reasonably good condition before the storm, the age of the roof alone should not disqualify you from receiving coverage for storm damage.

Depreciation and Actual Cash Value (ACV) vs. Replacement Cost Value (RCV)

Insurance policies can vary in how they handle roof claims, especially for older roofs. Here are two common approaches:

  • Actual Cash Value (ACV): This approach factors in depreciation, meaning you will receive a payment based on the current value of your roof, considering its age and condition before the storm. This amount may not cover the full cost of a new roof but helps mitigate the financial burden.
  • Replacement Cost Value (RCV): This approach covers the cost of replacing your roof with a new one of similar kind and quality, without factoring in depreciation. While this provides more comprehensive coverage, some insurers may switch older roofs to ACV coverage after a certain age.

The Importance of a Professional Inspection

After a storm, having a professional roof inspection is essential. Roofing experts can accurately assess the extent of the damage and provide detailed documentation. This helps in filing a comprehensive and effective insurance claim. At Frontline Adjusters, we specialize in assisting homeowners through this process, ensuring you receive the coverage you deserve.

Why Coverage for Old Roofs Matters

  1. Protection of Home Value: Your roof is a critical component of your home’s structure. Ensuring it is in good condition protects the overall value of your home.
  2. Preventing Further Damage: An old, damaged roof can lead to more significant issues, such as water damage to the interior of your home. Insurance coverage helps you address these issues promptly.
  3. Financial Relief: The cost of roof replacement or major repairs can be substantial. Insurance coverage provides financial relief, making it feasible to restore your home to its pre-storm condition.


Homeowners insurance is there to protect you from the unexpected, including storm damage to your roof, regardless of its age. By understanding your policy, maintaining your roof, and seeking professional help when needed, you can navigate the claims process smoothly and ensure your home remains safe and secure.

At Frontline Adjusters, we are here to help you every step of the way. If you have questions about your roof or need assistance with a claim, don’t hesitate to reach out. Your home’s protection is our priority.

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