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What are the California FAIR Plan roof requirements?

Short answerThe FAIR Plan doesn't require a new roof for basic coverage, but roofs matter. Dwelling replacement-cost coverage on homes over 25 years old requires a roof updated within the past 25 years, and substandard conditions can bring a surcharge. Confirm current rules with your agent, then get a free roof estimate if you need one.

Every roofer we work with is licensed, insured and highly reviewed by Bay Area homeowners.

Updated · Sources reviewed November 12, 2026 · By Bay Area Roof Replacements

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What is the FAIR Plan's 25-year roof rule?

Dwelling replacement-cost coverage is automatically included for homes 25 years old or less unless declined. For homes over 25 years old, the roof must have been updated or replaced within the past 25 years, and the application asks for the year the roof was replaced (FAIR Plan application, replacement cost addendum). Without replacement cost, claims are paid on a depreciated basis.

Can a bad roof cause a surcharge?

Yes. Under the Plan of Operation, properties with substandard conditions are eligible but may face a conditions surcharge, including for general deterioration (Plan of Operation). Location alone can't be used to decline or surcharge.

Does a Class A roof matter for the FAIR Plan?

The CDI's Safer from Wildfires framework lists a Class A roof among discount-qualifying steps (CDI). Ask your agent what the FAIR Plan applies.

What should I do?

Keep proof of your roof's replacement year (permit final or contract). See roof age and insurance.

For your actual price, request a free written estimate: a licensed roofer measures the roof and prices your exact scope.

Every roofer we work with is licensed, insured and highly reviewed by Bay Area homeowners.

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Frequently asked questions

Does the FAIR Plan require a new roof?

Not for basic coverage. Replacement-cost coverage on homes over 25 years old requires a roof updated in the last 25 years.

What proof of roof age should I keep?

The permit final, the contract or invoice, and the warranty registration.

Can the FAIR Plan surcharge me for roof condition?

Its Plan of Operation allows a conditions surcharge for substandard conditions, including general deterioration.

Related questions

Sources

Sources reviewed November 12, 2026. Figures are published estimates and official fees, not quotes. Confirm prices, permits and requirements with your contractor and building department. This page is general information, not legal or insurance advice.