Insurance & Storm Damage
The 15-Year Roof Rule: What Illinois Insurers Now Require
If your roof is over 15 years old, your homeowners policy may not cover it the way it did five years ago — even though nothing about your policy number changed. Illinois carriers have been quietly moving older roofs from replacement cost to actual cash value, and some now require replacement to keep coverage at all. Here’s what changed, what
September 8, 2026