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How to Keep Homeowners Insurance With an Old Roof in Texas

If you own a home in Texas, you already know how tough insurance companies can be — especially when your roof is aging. Many Texas insurers are refusing renewals, raising premiums, or dropping homeowners altogether when a roof hits 15–20 years old, even if it’s not leaking.

The good news?

You can often keep your homeowners insurance with an older roof — if you take the right steps.
STX Roofing specializes in helping homeowners stay insured and avoid costly cancellations.

Why Insurers Drop Policies Over Old Roofs in Texas

Texas roofs take a beating. Between hailstorms, extreme heat, and high winds, the state ranks among the highest for roof claims. That’s why insurance carriers tighten requirements as roofs age.

Insurers may issue a non-renewal if your roof:

Is 15+ years old (shingle roofs)
Shows visible wear or granule loss
Has missing or lifted shingles
Has previous storm damage that wasn’t repaired
Fails a routine insurance inspection

But an old roof doesn’t always mean it must be replaced. Sometimes the right documentation and proactive maintenance can save your policy.

5 Ways to Keep Your Homeowners Insurance With an Old Roof in Texas

1. Get a Professional Roof Inspection (Required by Many Carriers)

Most insurance companies want proof your roof is still in good condition.
A professional inspection from STX Roofing gives you:
✓ Detailed condition report
✓ Photos and documentation
✓ Repair recommendations (if needed)
✓ Evidence to show your roof is structurally sound

This is often enough for insurance companies to continue coverage.

2. Complete Any Minor Repairs Quickly

Small issues can trigger big insurance problems.
Repairing things like:

Missing shingles
Exposed nails
Flashing gaps
Soft spots
Minor hail impacts

…shows that your roof is being properly maintained and safe to insure.

STX Roofing provides fast, affordable repairs that meet insurer requirements.

3. Get a Roof Certification Letter

In many cases, a carrier will renew your policy if you provide a roof certification from a licensed roofing professional.

A roof certification states that:

The roof is in good working condition
It has no active leaks
It is expected to remain viable for 2–5 more years

STX Roofing issues official roof certification letters accepted by Texas insurers.

4. Consider Partial Repairs Instead of Full Replacement

Some homeowners assume insurance won’t renew unless the entire roof is replaced — but that’s not always true.

Insurance companies often approve:

Partial shingle replacement
Hail impact repair
Ridge cap repair
Vent or flashing upgrades

These improvements may bring your roof back into insurer compliance without the cost of full replacement.

5. Replace the Roof If It No Longer Meets Texas Insurance Standards

If your roof is severely aged or fails inspection, replacement may be the only way to keep coverage — but you may not have to pay full price.

STX Roofing helps homeowners determine whether:

Damage qualifies for an insurance-funded replacement
Hail or storm damage can reduce your out-of-pocket costs
Upgraded shingles may lower future insurance premiums

A new roof often increases home value and long-term protection.

Roof dropped from insurance coverage due to age

Signs Your Texas Home May Be at Risk of Insurance Non-Renewal

You receive a letter requesting a roof inspection
Your policy says “subject to roof condition”
Your premiums suddenly increase
Your roof is 15–20+ years old
Your neighbors are getting roof-related notices

If any of these apply, contact STX Roofing right away for an inspection before your renewal deadline passes.

Why Texas Homeowners Trust STX Roofing

STX Roofing specializes in insurance-friendly roofing solutions for Texas homeowners.
You get:
🏠 FREE Roof Inspections
📄 Insurance-Approved Documentation
⚡ Fast Turnaround for Repairs & Replacement
💬 Help Communicating With Your Insurance Carrier
🛡 High-Quality Roof Systems Built for Texas Weather

Our job is simple: keep your home protected and your insurance active.

Get Your Free Roof Inspection Today

Don’t wait until your insurer drops your coverage.
A quick, no-cost inspection from STX Roofing can help you:
✔ Stay insured
✔ Avoid cancellation
✔ Save money on future repairs
✔ Protect your home and family

Schedule your free inspection today and keep your homeowners insurance for years to come.

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WHAT OUR CLIENT ARE SAYING

I had STX put a new roof on my house about 3 years ago. I noticed a small place where the shingles were coming loose. I called and they sent someone out within a week and replaced the shingles in question. The repairman showed me the issue was with the shingles, not the original installation.

Doyle Wiese

Excellent company, very helpful with roof damage claim. Checked in with us periodically to see how the the claim was moving along. Once it was approved scheduled job quickly. Employees are knowledgeable, personable and professional. Replaced our roof in 1 day and looks great. Everything was cleaned up afterwards. They also have done repairs for us in the past on the roof and did a good job. Highly recommend.

Sylvia Heckman

Brandon, one of the owners, was very helpful and knowledgeable while working with me. My house was damaged during hurricane Laura and STX did an amazing job! Professional, competent, and quick.

Trust these guys/gals to have your back and help you fight the insurance company for what’s yours! Thank you STX for all your hard work.

Arata Young

The STX team were all very polite, professional, and easy to work with. We were able to get the work scheduled and completed quickly. Exceptional quality and competitive pricing, I would highly recommend them.

Wesley Dinwiddie

Great customer service. Prompt and thorough from start to finish! I would highly recommend STX Roofing. I have used STX Roofing personally for my own roof and I’ve also had clients (buyers/sellers) use them as well. They offered free roof inspections for my clients who wanted an inspection before purchasing a home, as well as for my sellers who needed to do some repairs before listing. I put my trust in this company and the owners. A company has to be extraordinary in order for me to recommend to my clients. I will always recommend STX Roofing.

Missy White

STX did a fantastic job…. Answered all our questions and we had a lot, and addressed any concerns we had. The crew was great. Thank you, Russell, Mike, Nelcy for making this easy and taking care of us from beginning to end!!

Mary T. Moreno

STX Roofing is absolutely amazing. From inspecting my roof to assisting with filing a claim and working with the adjuster, until we finally got a new roof. Mr.W and his team was there.

Shanetta W.

I cannot say enough wonderful things about STX. From working with the insurance, to picking colors for my new roof to install, even their clean up. Brandon and the whole team at STX were phenomenal. Highly recommend!

J M

STX Roofing did a great job, were very professional and took the time to ensure the roof was installed properly especially in the heat that we are having. They showed up when they said they would and on time. Would definitely recommend them to anyone looking for a new roof!

Kory C.

Excellent

Based on 250 reviews

I had new siding and roof installed. Service was great. Work was impeccable, all the team was friendly and very professional and very accommodating to my changes. Price was excellent. I will be recommending them often.

Response from the owner:Thank you so much for the feedback, Margret! We’re thrilled to hear you’re happy with your new siding and roof. We truly appreciate your recommendations and your trust in STX Roofing!

John Eccles

Was a fantastic seamless experience. The entire staff was well organized and kept me informed throughout the entire process. Would not go with anyone else other than STX Roofing.

Response from the owner:Hey John, we appreciate the kind words! So glad we could help with your recent roofing project. Call us if there's anything else you need!

Dick Richards

Quick with a fair estimate! Did a professional job on the repairs in a timely manner!

Response from the owner:Thanks for the 5-star review, Dick. We're glad you were pleased with the repairs.

Diane Bullock

I would refer Justin Bass to all my friends and customers. He is very thorough on checking the roof and what we need the most done. I had 2 other bids but they didn't go over everything like Justin did.

Response from the owner:Thank you for the kind words and recommendation! Justin takes great pride in being thorough and making sure homeowners fully understand their options. We’re glad his attention to detail made the difference and truly appreciate your trust in STX Roofing!

Stacey Prisk

Great experience! Fast, professional and courteous is how I describe every interaction I had with everyone at STX Roofing. Highly recommend.

Response from the owner:We appreciate the kind words, Stacey. Glad we could help your roof and are here if you need assistance in the future.

John Kominek

I Called STX Roofing for a proposal to replace my roof (after doing a massive amount of review reading on roofing contractors). Josh showed at the time I was told and surveyed my roof situation. He worked up a proposal AND incorporated all of the items on my want list with no problems.

The roofing crew showed up on the scheduled day and started removing the old roofing and installing the new roofing material. All of the roofing crew were extremely proficient and did an excellent roofing job. All of my outside appliances and slate patio were covered to prevent collateral damage. They cleaned the site during the installation process and then again at the end of the roofing job - all trash and nails removed. This roofing project was completed in approximately 9 hours (59 squares).

During this roofing process Josh, Russell and Weston were also on site to oversee this job. I would recommend STX roofing for any of your roofing needs and I would use them again if needed.

Response from the owner:Thank you for sharing your experience! We’re glad Josh and the team were able to incorporate everything on your wish list and make the process smooth from start to finish. Our crew takes pride in quality work, protection of your property, and a thorough cleanup, so it’s great to hear that stood out. We truly appreciate your recommendation and would be honored to work with you again if needed!

Amy Porter

I wanted to share my experience with STX Roofing. From day one of meeting with STX and discussing our roof and issues we had been facing STX was absolutely amazing to work with.
Instead of trying to sell me a new metal roof they were 100 percent honest and helpful in determining what we needed which was only larger and wider screws.

We also had them replace all of the soffit and facial boards around our house and we are thrilled with the job.

This company was extremely professional and efficient and we highly recommend them!

Response from the owner:Thank you so much for taking the time to share your experience with STX Roofing! We truly appreciate your kind words. Our goal is always to be honest, transparent, and provide the best solutions for each homeowner’s needs, even when that means a simple repair instead of a full replacement.
Thank you again for your trust and recommendation. If you ever need anything in the future, we’re always here to help!

Mary Evans

Response from the owner:We appreciate the 5-stars!

Brian Ridgell

The work done was great and the price was great.

Response from the owner:We're happy to hear you were pleased with your roofing project.

David Horton Jr

It was a pleasure to meet with Russell Mullin to discuss my roofing related needs and to work with STX Roofing. Russell arrived when he stated he would arrive, was able to fully describe the products that would be good for my project, and was able to get me scheduled rather quickly. Upon completing my install of gutters, the final product represented what we discussed. My project entailed installing gutters along the back side of my property. The new gutters are visually appealing. I have not been home to see how gutters and guards react to Houston rainstorms, but I feel pretty confident they will do their intended job. Based on the pleasant experience I had, and other experiences I had with other contractors on the same project, and the final product, I highly recommend STX.

Response from the owner:Thank you for the detailed review and kind words! We’re glad Russell and the team delivered exactly what was discussed and that you’re happy with the new gutters. It’s great to hear the process was smooth from start to finish. We truly appreciate your confidence in STX Roofing and your recommendation!

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