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Texas Roof Age and Home Insurance Rules

The short answer

In Texas, your insurer must mail a non-renewal notice at least 60 days before your policy ends. Texas has no roof-age law like Florida’s, so many insurers set their own limits for older roofs, move roofs to actual cash value or payment schedules, or decline to renew because of hail risk.

Notice rules

  • Non-renewal: the insurer must mail written notice at least 60 days before your policy expires. If it misses that deadline, it generally must renew if you ask.
  • Claims-based non-renewal: insurers generally can’t non-renew based on your claims unless you filed three or more in three years, and claims for natural causes like hail and wind don’t count toward that.
  • Warning letter: after two claims in under three years, the insurer must warn you in writing.

These rules come from the Texas Insurance Code, sections 551.105 and 551.107, as described in public summaries. Check with the Texas Department of Insurance for the current rules.

How Texas insurers treat older roofs

  • Some insurers won’t write or renew shingle roofs past roughly 15 to 20 years.
  • Many renew with the roof moved to actual cash value or a roof payment schedule that pays less as the roof ages.
  • Some non-renew whole areas because of hail risk, even for homes with no claims and roofs in good shape.

If you lose coverage

  • Start shopping right away. The Texas Department of Insurance runs HelpInsure.com to compare home insurance prices.
  • TWIA (Texas Windstorm Insurance Association) covers wind and hail in designated coastal areas. You still need a separate policy for fire and other risks.
  • Texas FAIR Plan is a last-resort option if private insurers decline you.
  • Don’t let coverage lapse. A lender-placed policy usually costs more and covers less.

Ways to make your roof easier to insure

  • Ask about impact-resistant roofing, often Class 4 shingles, which many insurers reward with discounts.
  • Keep proof of your roof’s age, condition, and repairs.
  • Get an inspection before you shop, so you can show insurers the roof is in good shape.

Good to know

Read every renewal for a change from replacement cost to actual cash value on the roof. In Texas, roof coverage changes are common and easy to miss.

Want a local roofer to take a look?

A local roofer can check your roof and tell you whether a repair, a roof certification, or a replacement makes sense. Free, with no obligation.

Talk to someone about my roof

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Common questions

Can my insurer non-renew me because of hail in my area?

Insurers can make risk-based decisions within state rules, and some cite area-wide hail risk. If you think it was unfair, contact the Texas Department of Insurance.

Do hail claims count against me?

Under Texas rules, claims for natural causes like hail generally don’t count toward the three-claims limit for non-renewal.

Where can I complain?

The Texas Department of Insurance accepts consumer complaints and has a consumer help line.

Laws and insurer rules change. This page is general information, not legal advice. Last reviewed October 2026.

Where to go next

Sources