Insurance Companies Won’t Back Aging Asphalt Shingles!

As we all know, insurance companies make money by collecting more dollars in premiums than they pay out in claims. For homeowners, they do this by simply calculating the risk to insure your home.  But now there’s a wrinkle. If you have a 10 year old asphalt roof, your home may prove too great a risk to insure.  That’s right, you might find your current homeowner’s policy canceled. It’s happening all across America.


Although asphalt shingle manufacturers tout “lifetime warranties” to increase sales, Insurance companies know your “lifetime” asphalt roof actually has a 10-year life expectancy and is a huge risk to fail. That’s why cancelations are showing up when a roof ages to the 10-year mark. An aging asphalt roof is more likely to be damaged by wind, hail, storms and regular wear and tear. Insurance companies know this, and they’re saying “no” to repairs, replacement and paying storm related claims.


Homeowners who buy into the “Lifetime Warranty” hoax have likely never read the fine-print in the warranty. They wanted to believe they could buy an inexpensive “lifetime” asphalt shingle roof. What they learn however is that 8-10 years after their purchase, the roof begins to fail. And, when they make a claim against their so-called lifetime warranty, they find out the truth.  The warranty only provides enough shingles to patch the area of the roof that failed - and, they are required to prove the shingles failed!  Prove it to yourself. Take a drive around your local neighborhoods and see how many patched, faded and streaky asphalt roofs exist. Those folks bought the lifetime asphalt shingle warranty too.


For a truly permanent roof, investigate American Metal Roofs - the most experienced metal roofing company in Michigan.  You can get a list of roofs we’ve installed that you can drive by and see near you — or see them in our gallery. You will discover that choosing the right metal roof will be your least costly option over time.