Skip to content
MyNonRenewal
Check My Notice

Can my Texas insurer drop me because of my roof's age?

Updated September 28, 2026· Sources verified September 28, 2026· Educational information, not legal advice

Short answer

As of September 2026, no adopted Texas rule specifically bans non-renewal because of roof age. The Texas Department of Insurance has said it plans to propose a rule clarifying that insurers may not use the age of individual components, such as the roof, when deciding whether to write or renew coverage. Until then, the general notice and reason rules apply.

Have your notice? Check it free

What TDI said

Responding to the Governor's August 2026 directive, TDI wrote on September 14, 2026 that insurers sometimes use the age of individual components as an indicator of a home's condition, which it described as circumventing the existing rule against using the age of the property — and that it plans to propose a rule to clarify this.

Planned, not adopted

A proposed rule goes through public comment before it can be adopted, and its final wording may differ. We will update this page when TDI publishes the rule. You can ask TDI how the current rules apply to your notice.

What applies today

Texas rule · The reason and the written statement

For policies issued or renewed on or after January 1, 2026, Texas's published rule says the notice must state the reason, and the written explanation must describe the specific incident, circumstance or risk factor and the source of the information the insurer relied on. For older policies, the written statement is available on request.

Tex. Ins. Code ch. 551Acts 2025, 89th Leg., ch. 940 (H.B. 2067)TDI Bulletin B-0012-25

Texas rule · Notice of non-renewal

Texas's published rule requires the insurer to mail a notice of non-renewal at least 60 days before the policy expires, for policies issued or renewed on or after January 1, 2024 (30 days for older policies).

Tex. Ins. Code ch. 551Acts 2023, 88th Leg., ch. 428 (H.B. 1900)TDI – Homeowners insurance guide

Hail claims are natural-cause claims, which don't count toward Texas's claims-based non-renewal limit. Texas claims rule.

What to do

  1. Ask for the specific reason and its source

    Especially if the insurer used aerial images or estimated the roof's age.

  2. Gather proof of age and condition

    Permit, invoice, warranty, and an inspection with dated photos.

  3. Ask about impact-resistant or FORTIFIED roof credits

    TDI has said it will emphasize that insurers should offer discounts for wind, hail and wildfire mitigation.

  4. Shop and collect declinations

    Useful for the Texas FAIR Plan if needed.

Want to know what applies to your notice?

Upload the letter and we'll check its dates and reason against Texas's published rules — free.

Check My Notice Free

Official sources

Rules can change. Check the official source before relying on it.

Want to know what applies to your specific notice?

Upload your letter and MyNonRenewal will check the dates, the reason and Texas's rules — free, with the official source for each rule.

Check My Notice Free See a sample report

MyNonRenewal provides educational information and document summaries. It does not provide legal advice, insurance advice, representation, or recommendations regarding specific insurance products.