Why Your Roof May Not Be Covered
Its common for many homeowners to look at their homeowners insurance as an extended warranty for their roof. However, insurance companies expect you to maintain your roof like you would your car. (oil change, tune up, new tires, etc.) When you fail to keep up with the maintenance of your roof, insurance companies will deem damage caused to your home due to your neglect resulting in possible claim denial.
One of the more common claims to get denied is "wind drive rain". If heavy wind causes rainwater to get pushed under shingles yet you have an old roof that needed repairs or even a replacement don't expect your insurance be on the hook.
Usually around 15-20 years your roof is on its last legs needing a replacement. However, keep in mind if your roof experiences its fair share of beatings like hail or catastrophic storms your need for a new roof may be much sooner than that.
Try to have your roof inspected annually during the warmer months to make sure you are prepared. Maintenance is key to the longevity of your roof.