After a storm or unexpected roof failure, the question is: will insurance pay for a roof replacement? The answer depends on the cause of the damage and your policy. Here’s what you need to know.
What Is Typically Covered: Standard homeowners insurance covers sudden and accidental roof damage from covered perils like wind, hail, fire, and falling objects. If a storm tears off shingles and the roof must be replaced, your policy will likely pay—minus your deductible. The age and condition of your roof may affect coverage; some policies only cover the depreciated value (Actual Cash Value) rather than full replacement cost (Replacement Cost Value).
What Is Typically NOT Covered:
- Wear and tear: A roof that fails due to age or lack of maintenance is your responsibility.
- Neglect: If you ignored known problems, the resulting damage may be denied.
- Flooding: Roof damage from rising water requires flood insurance.
- Improper installation: Damage from poor workmanship is not covered.
How to File a Claim: Document the damage with photos. Contact your insurer immediately. Obtain a repair/replacement estimate from a licensed contractor—see how to choose a contractor. Mitigate further damage (tarp the roof if needed), but don’t start permanent repairs until the adjuster has inspected.
Working with Your Contractor: Many roofing contractors are experienced in insurance claims and can help you through the process. For typical costs, see roof replacement cost. For the replacement process, see what to expect during replacement. And for the timeline, see how long it takes.
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