Your roof is 20 years old – So here’s what you need to know

Published 06.13.2019

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.

Homeowners Insurance
Person signing a home insurance document
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 south 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 20 year old roof is assumed to have reached the end of its lifespan.

Repairs For an Old Roof
Roof with broken tiles
You may want to have repairs performed when coming across a leak or other issue regarding your roof. However, when dealing with a 20 year old roof in Miami, 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
Person cleaning their gutters
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 Miami or Ft Lauderdale and own a multi-level home with a 20 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
Coins in a jar with a folded paper over it
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. Through financing, your new roof can have a payment plan of anywhere between $500 and $800 per month. In some instances, 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 mind.