A thunderstorm just rolled through your neighborhood. You step outside and notice a few shingles in your yard and a patch missing from your roof. You know roof repairs aren’t cheap, and might be wondering: Will my home insurance pay for a new roof?
This is a common question from homeowners. And the answer is: it depends. According to Insurance Business Mag, due to a rise in severe storms, wildfires and other natural disasters, roofing claims have had a 30% increase since 2022 and nearly 31 billion reported in claims in 2024. With this sharp rise in roof claims, it’s important to know whether you’re properly covered.
But don’t worry, by the time you finish this article you’ll better understand what your home insurance might cover and how to make sure you’re protected before the next storm hits.
When Does Home Insurance Cover Roof Replacement?
Your home insurance policy is designed to help you recover from sudden, unexpected damage to your home. So, if your roof is damaged by a covered peril, you’re likely in luck!
What Are “Covered Perils”?
Most standard home insurance policies include protection against events like:
- Windstorms and hail
- Falling trees or limbs
- Fire and smoke damage
- Vandalism
- Weight of snow or ice
If a tree crashes into your house during a storm and crushes your roof, your home insurance is likely to help pay for a new roof. This type of damage is typically classified as “sudden and accidental,” which is a big part of what homeowners insurance is designed for. By checking your declarations page of your insurance policy, you can find your specific coverages, limits and better understand what your roof is specifically covered for.
What Isn’t Covered by Home Insurance?
While home insurance is a safety net, it’s not a maintenance plan. That means roof damage from age or neglect usually isn’t covered.
Common Exclusions in Roof Claims:
- General wear and tear
- Mold or rot
- Pest infestations (like raccoons in the attic)
- Improper installation
- Neglected leaks
So, if your 25-year-old roof finally gives out, or leaks develop due to years of UV damage, your insurance company might deny the claim. Insurers expect homeowners to keep their roof in good working condition while remaining as a safety net for unexpected damage or disasters.
Will Insurance Cover a 20-Year-Old Roof?
That depends on your insurer and your policy type.
If your roof is more than 15-20 years old, some insurance companies may only offer Actual Cash Value (ACV) coverage. That means they’ll pay you what the roof is worth today, not what it costs to replace it.
On the other hand, Replacement Cost Value (RCV) coverage pays for a new roof at today’s prices, minus your deductible. But RCV is typically only available if your roof is in relatively good shape. Ask your independent insurance agent whether your policy includes ACV or RCV. It can make a huge difference if you ever need a roof replacement.
How Do Insurance Companies Evaluate Roof Damage?
When you file a claim, your home insurance company will send out an adjuster to inspect the damage. They’ll look at:
- The cause of the damage
- The age and condition of the roof
- Whether the damage was preventable
Be ready to provide:
- Photos or videos of the damage
- Maintenance records
- Roofing materials info (if available)
Take photos before and after storms to back up your claim if needed.
Partial Repairs vs. Full Roof Replacement
Not all damage calls for a full roof replacement. If only one section is affected, your insurer may approve a partial repair.
But in some cases, especially if your shingles are no longer manufactured or can’t be color-matched, your policy may allow for a full roof replacement to ensure uniformity.
Some states have “matching laws” requiring insurers to replace the entire roof if matching materials aren’t available. If you find yourself in this unique situation, ask your agent if your state has this protection.
Common Mistakes That Can Delay or Deny Your Roof Claim
Even a valid roof damage claim can be denied if you don’t follow the right steps. Here’s what to avoid:
- Waiting too long to file your claim
- Making repairs before the adjuster inspects the damage
- Failing to document the damage
Immediately calling your home insurance agent before you do anything can help guide you through the process and help you avoid costly missteps.
Tips for Getting Your Roof Claim Approved
Getting your roof claim approved is about preparation and documentation. Here’s how to increase your chances:
- Keep maintenance records
- Schedule annual roof inspections
- Use licensed, insured contractors
- Take photos immediately after the damage occurs
- Don’t delay filing your claim
Remember, every home insurance policy has specific requirements, so double-check your paperwork and avoid making assumptions as to what your home is covered for.
How We Help You Navigate Roof Insurance Claims
As an independent insurance agency, we don’t work for the insurance companies, we work for you.
We help you:
- Review your current roof coverage
- Connect with trusted roofing contractors
- Advocate during the claims process if needed
You don’t have to navigate this alone. We help ensure homeowners just like you are treated fairly during their insurance journey.
Protect Your Roof and Your Finances
The roof over your head protects your precious belongings and loved ones inside your home. That’s why it’s important to understand what your home insurance policy covers and what it doesn’t.
Still unsure if you’re properly protected? YourPolicy is here to help! We’ll review your policy, help you understand if you have solid protection and provide you with a free quote tailored to your unique needs. Make sure to schedule a free home policy review before the next storm rolls through!
FAQs: Will My Home Insurance Pay for a New Roof?
Does home insurance cover roof leaks?
Yes, home insurance covers roof leaks if they’re caused by a covered peril like wind or hail. However, leaks from wear, age, or poor maintenance are usually excluded.
Will my premium go up after a roof claim?
It might. Your premium can increase depending on your provider and your claims history. We’ll help you weigh the pros and cons before filing.
Should I file a claim or pay out of pocket?
If the cost is just above your deductible, it may be better to pay out of pocket. Ask us—we can help you compare options.
How long does a roof claim take?
Most roof claims are settled within 30–60 days, but it depends on the extent of damage and your insurer’s process.
Can I get a new roof without filing a claim?
Yes! Replacing your roof proactively can improve your home’s value and may even lower your insurance premium.
Does home insurance cover roof replacement if shingles don’t match?
Yes, in some cases. If your shingles are discontinued or can’t be color-matched, your home insurance policy may cover a full roof replacement instead of just a partial repair. Some states even have “matching laws” that require insurers to replace the entire roof to maintain a consistent look. Check with your insurance agent to see if this applies in your area.
Can I get roof replacement coverage for a 20-year-old roof?
It depends on your insurance policy. Many insurers provide only Actual Cash Value (ACV) coverage for roofs over 15–20 years old, which pays for depreciation. However, if your roof is in good condition, you may qualify for Replacement Cost Value (RCV) coverage, which pays for a new roof at current prices. Ask your agent which type your policy includes.
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