10/26/2026
Texas Clarifies Roof-Age Insurance Restrictions
What the latest guidance means for roofing and insurance professionals.
The Texas Department of Insurance (TDI) has clarified an existing rule prohibiting insurers from declining or refusing to renew residential property coverage solely because of a home’s age or the age of its roof.
The clarification, announced September 29, reinforces an important distinction: while age alone cannot determine eligibility, insurers may still consider a roof’s actual physical condition when evaluating risk.
Why It Matters
A roof’s age is one factor in understanding its potential performance, but it doesn’t tell the entire story.
Materials, installation quality, maintenance, weather exposure, and existing damage can all influence a roof’s condition.
For roofing contractors and insurance professionals alike, accurate property information and thorough evaluations remain essential.
The Bigger Picture
As aerial imagery, property data, and inspection technology continue to evolve, the industry has more tools than ever to support informed decisions.
The goal isn’t to eliminate risk assessment. It’s to ensure decisions are supported by relevant, reliable information.
Because whether you’re evaluating a roof, preparing an estimate, or assessing insurance risk, accuracy matters.
Source: Texas Department of Insurance, September 29, 2026