The roof of your house can have several different types of claims filed in case of damage. Examples of cases where claims can be made are a tree falling on it, damage from hail, the wind that causes damage to shingles and the structural part of the roof, and other disasters. The issue with an older roof is that if it leaks from old age, your insurance company may end up paying for water damage inside your home when it rains. They determine this type of damage not to be their responsibility because they are not responsible for everyday wear and tear. This is why they can and will refuse coverage for an older roof and will cancel your policy after an inspection shows poor condition. Timely replacement of a roof can save you this scenario.