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Roof & Age Rules explained

6 in-depth guides · updated November 2026

The roof drives both the premium and the claim. Insurers now inspect roof age, material and condition before binding, and many apply ACV-only settlements on roofs past a set age. Here is how the rules work state by state.Actual cash value roof settlements and the age triggerRoof inspections before binding: what adjusters photographImpact-resistant shingles and the discount they earnCosmetic damage exclusions and hail claims