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Roof replacement covered by homeowners insurance?

It Depends on what caused your roof problems:

A typical comprehensive homeowners insurance policy covers repairs to the roof replacement and the cost of replacing it if it becomes damaged. That’s the good news. But it’s usually only covered if the damage or destruction is the result of an unintentional accident or act of nature. Problems arising from general wear and tear or a roof that has exceeded its intended useful life are not eligible for reimbursement because they fall under the owner’s general maintenance responsibility.


  • Most homeowners insurance policies cover roof replacement if the damage is the result of an act of nature or a sudden accidental event.
  • Most homeowners insurance policies will not pay to replace or repair a roof that is gradually deteriorating due to wear and tear or neglect.
  • Roofs that are more than 20 years old often have limited coverage, if any.
  • To ensure approval of your claim, keep records of repairs, before and after photos, and inspection reports. Notify your insurance company immediately when damage occurs.
    How roof coverage works

Of all the parts of your home, the roof arguably has the most direct exposure to the elements. For northern climates, there is the weight of heavy snow and hail or ice storms. In the Midwest, tornadoes, and cyclones are also common problems. In tropical climates, there is the possibility of gales and hurricane-force winds.

Mother Nature can not only cause direct damage but can also unleash other types of havoc, like a violent windstorm that blows a tree onto your roof. There may be forest fires. Or there could be more unlikely incidents, like something crashing into the ceiling from above, like debris from an explosion or a plane.


The roof is an integral part of the structure of your home, and therefore the homeowner’s coverage section of your homeowner’s insurance policy generally protects you from such perils. Damage and destruction from such events qualify the owner for a full or partial roof replacement.

Of course, you’ll still have to pay your policy deductible before your coverage kicks in. Some policies, especially those written in certain high-risk states, impose a higher deductible for damage resulting from hurricanes or hailstorms. Residents in those areas who want to protect their property often have to purchase additional coverage or a separate windstorm insurance policy or hurricane insurance policy. Of course, anyone who wants additional protection or a higher degree of coverage can also purchase it.

Special considerations for roof coverage:

If a dramatic event causes dramatic damage (roof collapses, has a major hole, or is completely ripped off), coverage is likely. More problematic are cases where the damage is less dramatic, even if an act of nature caused it. Let’s say a violent thunderstorm dents a bunch of shingles from your roof. The insurance company may classify that as cosmetic damage and not cover it. Or let’s say that after the aforementioned storm, you notice that your roof is leaking. Even though the rains triggered it, the insurance company might claim it’s general wear and tear issue, reflecting the gradual deterioration of your roof, which is never covered.

Reparación de tejados de Vitoria

Servicios de reparación de tejados de Burgos

Ironically, any water damage caused by roof leaks on your walls, floors, or furniture would likely be covered under the all-risks section of your policy. However, the roof repair itself would not be.

Prevention of roof problems

It is the property owner’s responsibility to properly care for and maintain their roof and to know the useful life of different materials, which can range from 15 to 100 years. Homeowners can take other steps to help protect their roof, such as hiring licensed professionals to perform regular inspections. Many roofing companies will inspect a roof for free in hopes of winning future business (just don’t be surprised if they find a lot of problems).

Reparación de tejados de Burgos

Make sure your roof is free of debris and does not retain or collect water. Any tree that touches or hangs over the roof should be trimmed. After a big storm or a long period of snow, always check your roof to see how the shingles and gutters are doing. If you live in wind-prone areas, make sure your home and roof meet current building codes.

How to get a roof replacement refund

Age is no friend of your ceiling. Unless it’s made of a material with famous longevity, like slate, a roof depreciates every year; many insurers do not cover those that are more than a quarter of a century old. Other possible policy exclusions could include improper maintenance or neglect, the use of certain expensive roofing materials (such as cedar or recycled shingles), or roofs with more than two layers of roofing material.

To give yourself the best chance of having your insurance company pay for a roof, the first step is to call them in for an inspection. Before they arrive, gather as many documents as you can, including a copy of your current home insurance policy, home inspection reports, receipts from any repair work you’ve done, and photos of any damage that has occurred. . (Since before-and-after photos are always helpful, it’s a good idea to take photos of your roof when it’s healthy.) Everything will be useful in the claims process. The insurance company will send an adjuster to inspect the damage and offer their own assessment.


Getting Reimbursed for Roof Replacement

Age is not your roof’s friend. Many insurers won’t cover those that are over a quarter-century old. Other possible policy exclusions could include improper maintenance or neglect, the use of certain expensive roofing materials (like cedar or recycled shake shingles), or roofs with more than two layers of roofing material.

To give yourself the best chance of having your insurance company pay for a roof, the first step is to call them out for an inspection. Before they arrive, gather up as many documents as you can, including a copy of your current home insurance policy, any home inspection reports, receipts for any repair work you’ve done, and photos of any damage that has occurred. (Since before-and-after shots are always useful, it’s a good idea to take photos of your roof when it’s healthy.) All will be helpful in the claims process. The insurance company will send out an adjuster to inspect the damage and offer their own assessment.

Tips to save on new roof costs

The average price range for a roof replacement can be anywhere from $260 to $700 per square foot, depending on the roofing material used. Someone might be able to help you for as little as $150 to $350 per square foot for asphalt shingle repair. For metal roofs, expect between $350 and $1,000 for metal roof and shingle repair. Here are some tips on how to minimize your repair and replacement costs:

Do your research – Know the size and complexity of your roof and the exact materials you want to install before you talk to contractors.

Compare: póngase en contacto con los servicios de reparación de tejados de Burgos y obtenga presupuestos de techadores y pregunte siempre y verifique las referencias locales antes de contratar a alguien. Tenga cuidado con las ofertas extremadamente bajas, lo que podría significar un trabajo deficiente, y asegúrese de que los techadores ofrezcan una garantía sobre los materiales y la instalación.

It’s the right time: Roofers are busiest in late summer and fall. Scheduling your roof replacement in late winter or spring can lead to lower prices or discounts in the off-season.

Do it (or some of it) yourself: Consider doing some of the work yourself. If you have the time, the right equipment, and a stomach for heights, removing the old roof before the installer arrives could help cut costs.

Consider an overlay:

An overlay is installing new shingles on top of existing shingles. Because the old roof remains in place, overlays require fewer labor hours and cost less than a complete replacement. However, an overlay may void or shorten the manufacturer’s warranty on roofing materials. Overlays also often increase future replacement costs due to increased labor and wasted work.



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