Yes. Roofs are affected by age. Over time sun and wind take their toll on your roof. As shingles age they become more brittle and the heat activated glue that seals out water begins to break down. As a result, they are more likely to break and blow off. This reduces the effectiveness of the roof system and potentially allows water to penetrate into the house and cause damage..
Most insurance companies will reduce the insurance premium on your home for a newly installed roof. The new roof credit can be significant. In most cases, it can be $300 per year or more. The new roof credit will slowly be removed over the next 15 years. After the 15 years, a roof surcharge is applied. So the insurance premium will increase a certain amount every year until the roof is replaced again.
To be eligible for the new roof discount, you will need to provide your agent with the receipt for the roofing, or an invoice from your contractor.