Roof Insurance Coverage: What’s Covered, What’s Not?

Roof insurance coverage is typically included in most standard homeowners insurance policies and helps pay to repair or replace your roof if it’s damaged by a covered peril—like hail, wind, fire, or falling trees. However, not all damage is covered, and understanding your policy is key to avoiding denied claims.

What Types of Roof Damage Are Covered by Insurance?

Most homeowners insurance policies cover sudden and accidental roof damage caused by specific events. Here’s what’s usually covered:

Covered Events

• Examples 

Hailstorms

Dents, punctures, shingle damage

Windstorms / Tornadoes

Lifted shingles, torn flashing

Fallen Objects (e.g., trees)

Impact damage, structural issues

Fire

Smoke, heat, and flame damage

Vandalism / Theft

Physical damage, stolen materials

Insurance doesn’t usually cover:

• Wear and tear or old age
• Manufacturer defects
• Improper installation
• Neglect or lack of maintenance
• Cosmetic damage (e.g., discolored shingles)

Example: If your 25-year-old roof leaks during a storm but hasn’t been maintained or inspected in years, your claim might be denied.

It’s important to know how your insurance pays out:

• Actual Cash Value (ACV): Covers the depreciated value of your roof (older roofs get less money).
• Replacement Cost Value (RCV): Covers the full cost to replace your roof with similar materials.

Tip: If you can, choose RCV for better coverage—especially in storm-prone areas.

Follow these steps to maximize your chances of approval:

1. Document the Damage: Take clear photos or video immediately after the incident.
2. Schedule a Professional Inspection: Have a licensed roofer assess the damage.
3. Contact Your Insurance Company: File your claim as soon as possible.
4. Meet with the Adjuster: Share your roofer’s inspection report.
5. Get Repair Estimates: Collect quotes from certified contractors.
6. Finalize the Claim: Work with your insurer and roofer to complete repairs.

• Roof age exceeds policy limits (usually 20+ years)
• Pre-existing damage not reported
• Lack of maintenance or documentation
• Filing after the deadline (usually 1 year from the incident)

Pro Tip: Regular inspections and photo records can support future claims.

Yes—most insurance companies require an independent or certified roof inspection to validate the damage. Having a reputable roofing contractor inspect your roof can speed up the claims process and improve your approval odds.

Not sure if your roof is covered? We help homeowners understand their insurance, connect with licensed roofing pros, and file claims with confidence.