Knight\/Payton Wilson Insurance hears this question a lot from Hillsborough homeowners, and the honest answer is: it depends, but yes, roof age matters more than most people realize when it comes to coverage.<\/p>\n
An older roof is simply more likely to fail during a storm, develop leaks, or need full replacement after wind or hail damage. Insurers factor this into both whether they’ll write a policy at all and how they’ll pay out a claim if something happens, which matters a lot given how often North Carolina sees severe spring and summer storms.<\/p>\n
Here’s where this gets real: if a storm damages your aging roof and your policy pays actual cash value, you might get a check that covers a fraction of what a full replacement actually costs. That gap comes out of your pocket, right when you’re already dealing with storm damage.<\/p>\n
If your roof is getting up there in age, a few options are worth exploring: some insurers offer a specific roof endorsement that changes how an aging roof is valued, and some just handle older roofs more favorably than others. It’s also worth simply knowing your roof’s age and condition before you’re filing a claim, not after.<\/p>\n
If you’re not sure how your policy treats your roof’s age, or whether you’re looking at actual cash value versus replacement cost for it, that’s worth clarifying now. Knight\/Payton Wilson Insurance can review your specific policy and roof situation. Check out our home insurance page<\/a> or give us a call at 919-245-1020.<\/p>\n","protected":false},"excerpt":{"rendered":" “My Roof Is Getting Up There in Years, Should I Be Worried?” Knight\/Payton Wilson Insurance hears this question a lot from Hillsborough homeowners, and the honest answer is: it depends, but yes, roof age matters more than most people realize when it comes to coverage. Why Insurers Care So Much About Roof Age An older […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[5,11,7],"class_list":["post-84","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-hillsborough","tag-home-insurance","tag-knight-payton-wilson-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t