Is That Roof Insurable? Why Dallas-Fort Worth Buyers and Sellers Are Running Into Insurance Surprises

If you’re buying or selling a home in the Dallas-Fort Worth metro area, you may be in for a surprise—and not the good kind.

More buyers and sellers across Frisco, Plano, McKinney, and Arlington are discovering that insuring a home isn’t as simple as it used to be. Insurance companies in Texas are getting stricter, especially when it comes to roof age and condition.

And if that roof doesn’t meet their standards? You could face:

• Higher premiums
• Limited coverage
• Delayed closings
• Or even a flat-out denial of coverage

Here’s how to avoid that headache—and how a home inspection can help.

Why Roofs Are Under Scrutiny in DFW

Texas leads the nation in severe hail events. In Collin, Tarrant, and Denton County, older roofs are already under pressure—and now, so are the homeowners trying to sell them.

Insurers are:

• Denying policies for roofs over 15 years old
• Requiring visual inspections or photo documentation
• Raising deductibles or excluding wind/hail claims on older materials

Even a home in great condition overall could become “uninsurable” if the roof doesn’t meet their risk profile.

How Home Inspections Help Buyers and Sellers

Whether you’re buying a home in Prosper or selling one in Southlake, a full roof evaluation as part of your home inspection is a critical step.

Here’s how it helps:

✅ For Buyers:

• Know the true age and condition of the roof
• Use roof findings to negotiate repairs or a new roof credit
• Avoid surprise insurance rejections or post-binding inspection fallout

✅ For Sellers:

• Identify and fix roof issues before listing
• Provide buyers and insurance agents with clear documentation
• Get ahead of costly renegotiations that could delay your closing

Bonus: Add a Repair Estimate Report

Semper Fi’s Repair Estimate Report turns your roof-related findings into a list of estimated costs—making it easier to negotiate confidently or show buyers the real value of pre-listing work.

✅ Bottom Line

The roof might be overhead—but it’s top of mind for insurers.

Whether you’re listing a home in Highland Park, buying in Grapevine, or evaluating an investment property in Little Elm, the roof condition could make or break your deal.

Don’t let insurance surprises slow you down—get the full picture with a professional inspection.