Homeowners in New Jersey often find themselves asking a critical question: Will insurance cover a 15 year old roof? With the Garden State’s unpredictable weather—icy winters, spring rainstorms, and hurricane-prone summers—roof maintenance isn’t just a recommendation; it’s a necessity. But when that roof hits the 15-year mark, navigating insurance policies becomes more complex.

With Charles Jimerson of CJ Commercial Roofing NJ, we’ll explore how homeowner’s insurance applies to aging roofs, what factors influence coverage, and what New Jersey residents should know when filing a claim.
📍 Understanding Roof Coverage in Homeowner’s Insurance
Most standard homeowner’s insurance policies, whether underwritten by Allstate, State Farm, or NJM Insurance Group, provide dwelling coverage for the structure of your home. This generally includes your roof. However, coverage for roof damage is conditional—it depends on the cause of the damage, age of the roof, and type of insurance policy you carry.
Covered Perils Typically Include:
- Wind and hail damage (common with hurricanes and nor’easters)
- Fire and smoke damage
- Falling objects (e.g., tree limbs during a storm)
- Water damage caused by sudden and accidental roof damage
However, insurance companies often exclude wear and tear, neglect, or damage due to lack of maintenance—particularly when dealing with older roofs, such as those around the 15-year mark.
⏳ The 15-Year Roof Dilemma
Roofs don’t age like fine wine. Most asphalt shingle roofs, common in New Jersey, have a lifespan of 20 to 25 years—but they begin to degrade in effectiveness after 12–15 years. Once your roof hits that critical 15-year threshold, insurers start to treat it differently.
❗ Insurance Red Flags for 15-Year-Old Roofs:
- Depreciation: Insurers may offer Actual Cash Value (ACV) instead of Replacement Cost Value (RCV).
- Coverage Limitations: Damage may not be covered if the roof is deemed too old or poorly maintained.
- Inspection Requirements: Some insurers will require a roof inspection before policy renewal or issuing coverage.
- Premium Increases: Older roofs often mean higher premiums or deductibles.
🛑 Will Insurance Still Cover It?
The short answer? It depends.
If your 15-year-old roof in New Jersey suffers damage from a covered peril, you may still receive reimbursement—but with conditions.
✅ Situations Where Coverage Is Likely:
- A hailstorm in Newark damages your roof suddenly.
- Wind uplift during a nor’easter in Atlantic City tears shingles off.
- A large tree limb crashes onto your roof during a thunderstorm in Princeton.
In these cases, even an aging roof could be covered—assuming the damage wasn’t caused by deferred maintenance.
🚫 Situations Where Claims Are Denied:
- Slow leaks due to deteriorated flashing.
- Curling shingles from prolonged UV exposure in the summer sun.
- Moss growth or sagging due to poor ventilation or drainage.
In these examples, insurance adjusters may classify the damage as preventable, and deny your claim accordingly.
🏘️ Why New Jersey Homeowners Face Unique Challenges
The New Jersey climate plays a major role in roof wear:
- Snow and Ice Dams (in Bergen or Sussex County) can lead to premature degradation.
- Coastal winds in towns like Toms River, Point Pleasant, or Atlantic City put roofs under constant pressure.
- Summer heat and UV exposure in central NJ can dry out roofing materials, especially asphalt shingles.
Given these environmental stressors, many insurers scrutinize roof age more strictly in this region. For more, visit CJ Commercial Roofing NJ.
🔍 How to Maximize Your Insurance Coverage
Even with a 15-year-old roof, you can take proactive steps to protect your investment and improve your odds of coverage:
1. Schedule a Roof Inspection
In Middletown, Edison, or Cherry Hill, certified roof inspectors can assess your roof’s condition. Documented inspections can support your case during a claim.
2. Perform Preventive Maintenance
Clean gutters, replace worn flashing, and remove debris. Insurance providers in NJ will check for signs of neglect when reviewing claims.
3. Understand Your Policy
Review your policy’s fine print. Is your coverage RCV or ACV? Replacement cost will give you full roof value; ACV will subtract depreciation—often steep with older roofs.
4. Document Damage Immediately
After a storm, take photos and videos, especially if you’re near coastal areas like Long Branch or Cape May. Report the damage promptly to your insurer.
5. Ask About Endorsements
Inquire about roof replacement endorsements—available from some carriers like Chubb or Liberty Mutual—that override age limits in exchange for higher premiums.
🧾 Real Example from New Jersey
In 2023, a homeowner in Morristown had a 15-year-old roof damaged by a hailstorm. Their insurer initially offered a $4,200 ACV payout—far less than the $10,000 replacement cost. Because the homeowner had a maintenance log and roof inspection report from 6 months prior, they successfully appealed and received full coverage based on RCV.
💼 When Should You Replace Instead?
If your 15-year-old roof has extensive wear, frequent leaks, or patchwork fixes, it might be wiser to invest in a new roof rather than battle with an insurer. Consider:
- Metal roofing for longevity (up to 50 years).
- Architectural shingles, popular in NJ, which offer better wind resistance.
- Local contractor certifications, such as GAF Master Elite™ roofers in Trenton or Paramus.
🌐 Final Thoughts: Will Insurance Cover a 15 Year Old Roof in NJ?
While the age of your roof is a major factor, insurance companies in New Jersey don’t outright deny claims based solely on age. The critical elements are:
- The cause of damage
- The roof’s condition
- Your policy type and endorsements
- Proper documentation and maintenance history
By staying proactive and informed, homeowners in NJ can navigate insurance claims confidently—even with a roof that’s seen 15 full Northeast winters.














