Several major Texas carriers are quietly tightening their roof-age underwriting for 2026 renewals. If your roof is 15+ years old, you need to read this before your next renewal notice arrives.
What's changing
- New non-renewal triggers at 15, 18, and 20 years depending on carrier.
- Forced conversion from RCV to ACV at age thresholds.
- Required inspections for any roof over 12 years to maintain coverage.
- Surcharges of 20–40% on premiums for older roofs that stay on RCV.
Why now
Reinsurance costs have spiked across the Gulf and Plains states. Carriers are managing exposure by pushing the cost of older roofs back to homeowners — or out of their book entirely.
What to do
- Pull your current declarations and check the roof age coverage clauses.
- If you're at 12+ years, get a documented inspection now so you have a baseline.
- If you're at 15+ years and on RCV, consider replacing before renewal — the math often works.
- Shop your policy. Some regional carriers are still writing older roofs on RCV.