Does Home Insurance Cover Roof Replacement?

Does Home Insurance Cover Roof Replacement? The roof, an important component of any home, stands as the first line of defense against the elements, protecting your family and belongings from rain, wind, snow, and extreme temperatures. However, the inevitable wear and tear caused by the wrath of Mother Nature can lead roofs to their breaking point, prompting the need for repair or replacement.

Does Home Insurance Cover Roof Replacement?

Homeowners frequently find themselves pondering whether their home insurance policy covers the daunting expense of roof replacement. This blog post is to provide the answer to the question: Does home insurance cover roof replacement?

Does Home Insurance Cover Roof Replacement?

Whether or not home insurance covers roof replacement depends on various factors. For instance, the specifics of your policy and the cause of the damage. Generally, home insurance quotes offer coverage for roof replacement if the damage is caused by a threat or danger included or mentioned in your policy, like wind, fire, or hail. Here are other crucial factors to put into consideration as well:

Age of the Roof

The age and condition of your roof can significantly impact coverage. Some insurers may offer full replacement costs for roofs under a certain age but might only cover the actual cash value for older roofs, factoring in depreciation. This means you might not receive enough compensation to cover the full cost of a new roof if your roof is older.

Covered Perils

Home insurance policies typically differentiate between open perils and named perils. An open peril policy covers all causes of damage except those specifically excluded, while a named peril policy covers only those causes of damage listed in the policy. Commonly covered perils include natural disasters like storms and non-deliberate human actions causing damage.


Most policies have exclusions. For instance, damage resulting from wear and tear, lack of maintenance, or intentional acts may not be covered. Additionally, certain natural disasters like earthquakes and floods are often excluded from standard policies but may be covered through additional riders or separate policies.

When Does Home Insurance Cover Roof Replacement?

The covered peril and exclusions are factors that determine when you receive coverage for roof replacement. The insurance company is also responsible for setting this agreement, and you must be aware of when and when you will be covered. For a better understanding, here are the types of roof damages that are usually covered and excluded from home insurance:

Types of Roof Damage Covered by InsuranceTypes of Roof Damage Not Covered by Insurance
Fire and smokeAnimals
WindWear and tear
VandalismMold or rot
Weight of ice and snowNormal aging
Falling objectsNeglect

How to Get Insurance for Roof Replacement

If your roof gets damaged and you would like to get an insurance policy to pay for roof replacement, there are some steps that you need to adhere to to complete the replacement procedure. If you are interested, here is what you need to do:

  • Firstly, conduct immediate repairs and obtain an estimate.
  • Examine your insurance policy.
  • Initiate a roof insurance claim.
  • Collaborate with the insurance adjuster.
  • Lastly, receive your settlement and proceed with repairs.

Conduct immediate repairs and obtain an estimate

Initially, it is crucial to engage a professional for prompt, temporary fixes to your roof. This action helps mitigate further damage, commonly referred to as secondary damage, potentially saving significant repair costs. Should your home insurance claim be successful, the expense of these provisional repairs will be included in your total compensation from the insurance company.

Examine your insurance policy

Before proceeding with a roof insurance claim, it is wise to review your policy details to confirm coverage for the damage and estimate the potential compensation.

Filing a claim that is likely to be denied can still impact your claim history, even without affecting your rates directly. However, multiple claims over a short period might lead to increased premiums due to perceived higher risk.

Initiate a Roof Insurance Claim

Modern insurance companies provide various channels for filing claims, including through agents, phone calls, online platforms, or mobile apps. Be prepared to furnish your insurer with detailed information, including:

  • The incident’s date and cause
  • Roof age and materials
  • List any additional damage.
  • Visual evidence of the damage
  • Receipts for temporary repairs
  • Roof repair or replacement estimate

Providing documentation of any prior roof repairs or a recent inspection report can further support your claim.

Collaborate with the insurance adjuster

An insurance adjuster will be saddled with the responsibility of your claim by your insurance company. They are responsible for inspecting your roof and any related damage. Furthermore, their role is to assess the insurer’s liability for the replacement costs. Having all relevant documentation and estimates at hand can assist the adjuster in their evaluation.

Receive your settlement and proceed with repairs

Upon claim approval, the insurance company will estimate the replacement cost and issue a settlement check. Often, an initial partial payment is made to commence the repair work, emphasizing the insurer’s interest in a prompt and standard-compliant roof restoration. The balance is typically paid after the completion of the work and a final inspection by the adjuster.