Texas Moves to Limit Roof-Age Insurance Denials

Texas insurance regulators proposed a rule on September 29, 2026, that would prevent insurers from denying or refusing to renew homeowners coverage solely because of a roof’s age. The change follows a directive from Gov. Greg Abbott after premiums rose sharply across the state. It is meant to stop homeowners from being pushed into replacing usable roofs simply to keep insurance.

Age alone would no longer be enough, but roof condition can still affect coverage. Insurers may act when an inspection finds damage, deterioration, or poor maintenance. That means a well-kept older roof could remain insured, while a newer roof with documented problems could still face a denial.

The policy effort is part of broader Texas insurance action. Regulators now require rate calculations to account for qualifying FORTIFIED roofs, are increasing enforcement against price optimization, and are studying the causes of rising claim costs. That study is expected online by the end of 2026. Homeowners who receive an age-based denial or nonrenewal can complain to the Texas Department of Insurance, while condition-based decisions may turn on inspection documentation.