Does Insurance Cover a 20 Year Old Roof in Florida?

Insurance March 2025
Does Insurance Cover a 20 Year Old Roof in Florida?

Does insurance cover a 20 year old roof in Florida?

The Style

When it comes to the style and overall design of your house, the shingles play a significant role. Lighter colors go best with other lighter colors. On the other side, dark colors go best with other dark colors.

That’s why light shingles are standard on the coast, where the houses tend to be lighter as well.

As for dark shingles, most dark colored homes will go great with dark shingles. For example, red brick goes excellent with black shingles. What’s more, this look is classic.

Additionally, it’s worth remembering that dark colors can make a home appear smaller, and light colors will make it look larger.

If your home manages to weather the storm, inspect the integrity of your roof. Loose and damaged panels indicate that you may need to replace your roof entirely. 

The Longevity

Many believe that the color of the shingles can affect their longevity. However, is this a myth or reality?

We’ve asked the experts, and most agree that this is a myth. Many manufacturers have done tests to see if the color affects the longevity of the shingles, but they haven’t found anything that shows a connection between the two.

However, all professionals will tell you that proper roof ventilation matters. It doesn’t matter if the shingles are dark or light in color; the roofing will still require a sound ventilation system. With it, you can ensure that the heat that comes from both the inside and the outside has a place to escape. That way, you’ll ensure the longevity of your entire roof.

The Quality

The quality of your shingles is more important than the color of your shingles. If you’re shopping for a new roof, make sure you choose a roof installation provider who is licensed and insured to provide the best quality roofing job you can get.

Another important component of your roof that will have a greater impact on your home’s efficiency than the color of your shingles themselves is the insulation in your attic. If your home is well-insulated, your roof was built properly, and you have the ventilation you need in your attic to regulate your roof’s temperature, you shouldn’t have problems with your roof being too hot or too cold. This offers yet another reason to make sure you’re choosing a roofing professional you trust. Quality work means more energy efficiency and more savings for you down the road.

Give True Roofers a call today to get the best roofing experience.

At True Roofers, we offer emergency roof services for properties in Wesley Chapel, Florida, including Lakeland and Plant City. Call us today at (813) 800-1800 and let us know how we can help. Our team is available 24/7 to cater to your roofing needs.

FAQ

Frequently Asked Questions

The answers Central Florida homeowners ask us most often.

Do you offer 24/7 emergency roof repair?
Yes. True Roofers responds 24/7 across Central Florida to roof problems that cannot wait, including storm damage, active leaks, and emergency tarping. Call (813) 800-1800 any time, or reach our 24/7 inspection line at (863) 880-2041 after a storm, and we dispatch from there.
How quickly can you get to my home?
We dispatch 24/7 from three offices across Central Florida (Lakeland, Plant City, and Auburndale), so a roofer is never far away. Storm emergencies are prioritized, same-day inspections are often available, and you get a clear arrival window when you book.
What happens when I call?
You talk to a real person, describe the problem, and get an arrival window. A roofing specialist inspects your roof for free, documents the damage with photos, and quotes the exact price before any work starts. If the damage is storm-related, we handle the insurance claim for you, start to finish. Nothing begins until you approve it.
How does pricing work?
Upfront and in writing. The inspection is free, you get the full price before any work begins, and that price does not change mid-job. True Home members also get 5% off every repair and priority scheduling.
What areas do you serve?
We serve Lakeland, Plant City, Winter Haven, Wesley Chapel, Auburndale, Davenport, and the surrounding communities across Hillsborough, Polk, and Pasco counties.
Do you offer financing?
Yes. We partner with Enhancify to finance projects from $500 to $250,000 on approved credit, with terms up to 144 months through its lending partners. You can prequalify in about a minute with no impact to your credit score.
Are there any discounts or plans?
The True Home Membership covers your roof, plumbing, and HVAC for $24.99 a month: annual inspections, 5% off every repair, priority scheduling, and priority storm response. Financing is also available on bigger jobs.
Are you licensed and insured?
Yes. True Roofers is a fully licensed and insured Florida roofing contractor, license CCC1332725. Every crew that works on your roof works under that license.

Find Us in Central Florida

Three offices across Central Florida: Lakeland, Plant City (headquarters), and Auburndale. We serve homeowners and businesses throughout Polk, eastern Hillsborough, and Pasco counties.

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