Does Homeowners Insurance Cover Roof Replacement?: A Complete Guide

Does Homeowner Insurance Cover Roof Replacement?, Here’s what you need to know

Your roof is one of the most important parts of your home. It protects you and your belongings from the elements, and it can also affect your home’s energy efficiency, curb appeal, and value.

But what happens when your roof gets damaged or needs to be replaced? Will your homeowners insurance cover the cost of roof replacement or repairs?

The answer is not always straightforward. Depending on the cause and extent of the damage, your homeowners insurance policy may or may not cover roof replacement.

In this blog post, we will explain how roof insurance works, what types of roof damage are covered by homeowners insurance, how much roof replacement insurance costs, and how to file a claim for roof damage. We will also provide some tips on how to keep your roof in good shape and prevent future problems.

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How Roof Insurance Works

Roof insurance is included under the dwelling coverage in a homeowners insurance policy. Dwelling coverage handles the physical structure and attached structures like a garage.

For example, if a hailstorm or the weight of snow after a blizzard damages your roof, a home insurance policy will likely pay for the repairs or a new roof.

However, you’re only covered if the damage or destruction results from a sudden accident or act of nature.

Problems that ensue from general wear and tear or from a roof that has exceeded its intended life span are not eligible for reimbursement because they fall under the general maintenance responsibility of the homeowner.

Additionally, your homeowners policy likely won’t pay for damage caused by these situations:

  • Gradual wear and tear
  • Normal roof aging
  • Homeowner neglect
  • Animals, including termites and mice
  • Earthquakes
  • Rot or mold

If you want to protect your roof from these types of damage, you may need to purchase additional coverage, such as a home warranty, earthquake insurance, or flood insurance.

Another factor that affects your roof coverage is the type and age of your roof. Some home insurance companies may limit or exclude coverage for certain types of roofs, such as wood shingles, metal roofs, or flat roofs, because they are more prone to damage or leaks.

Similarly, some insurers may reduce or deny coverage for roofs that are over 20 years old, because they are more likely to deteriorate or fail. In these cases, you may only be insured for the actual cash value of your roof, not for its current replacement cost.

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What is the difference between Actual cash value (ACV) and Replacement cost value (RCV)

Actual cash value (ACV) is the amount your roof is worth today, after factoring in depreciation. Replacement cost value (RCV) is the amount it would cost to replace your roof with a similar one, without deducting depreciation.

For example, if your roof is 15 years old and has a 20-year lifespan, its ACV may be 25% of its original cost, while its RCV may be 100% of its original cost. If your roof is damaged and needs to be replaced, you would receive a much lower payout if your policy only covers ACV.

To find out how much roof coverage you have and what types of damage are covered, you should review your homeowners insurance policy carefully and contact your insurance agent if you have any questions.

How Much Does Roof Replacement Insurance Cost?

The average annual cost for home insurance is about $1,700 a year for a house insured for $350,000. However, the cost of your homeowners insurance policy may vary depending on several factors, such as your location, the size and value of your home, the type and age of your roof, and the amount of coverage and deductible you choose.

Your deductible is the amount of money you have to pay out of pocket before your insurance company pays for the rest of the claim.


Homeowners Insurance Cover Roof Replacement
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For example, if your deductible is $1,000 and your roof replacement costs $10,000, you would pay $1,000 and your insurer would pay $9,000. Typically, the higher your deductible, the lower your premium, and vice versa.

Some policies, especially those written in certain high-risk states, impose a higher deductible for damages that ensue from hurricanes or hailstorms.

Residents in those areas wishing 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 extra protection or a higher degree of coverage can purchase it as well. However, you should weigh the cost and benefits of increasing your coverage and deductible, and compare different quotes from different insurers to find the best deal for your needs.



How to File a Claim for Roof Damage
An Image Illustration of How to File a Claim for Roof Damage


How to Keep Your Roof in Good Shape

The best way to avoid roof damage and costly repairs is to keep your roof in good shape and prevent future problems.

Here are some tips on how to maintain your roof and extend its lifespan:

Inspect your roof regularly.

You should inspect your roof at least once or twice a year, especially after a storm or a change of seasons. Look for any signs of damage, such as missing or broken shingles, cracks or holes, sagging or buckling, mold or algae growth, or water stains. If you notice any issues, you should fix them as soon as possible or hire a professional to do it for you.

Clean your gutters and downspouts.

You should also clean your gutters and downspouts at least twice a year, preferably in the spring and fall. Clogged gutters and downspouts can cause water to back up and damage your roof, siding, and foundation. You can use a ladder, a hose, and a scoop to remove any debris, such as leaves, twigs, or dirt, from your gutters and downspouts. You should also check for any leaks or cracks and repair them if needed.

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Trim your trees and branches.

Another way to protect your roof is to trim any trees and branches that are near or overhanging your roof. Falling branches can damage your roof, shingles, or gutters, and create openings for water or pests to enter. You can use a pruning saw or a chainsaw to cut any branches that are within 10 feet of your roof. You should also remove any dead or diseased trees that may pose a risk of falling on your roof or home.

Upgrade your roof.

If your roof is old, worn out, or damaged beyond repair, you may want to consider upgrading your roof to a more durable and energy-efficient one. For example, you can choose a metal roof, which is resistant to fire, wind, hail, and corrosion, and can last up to 50 years or more. Or you can opt for a cool roof, which is designed to reflect more sunlight and heat, and can lower your cooling costs and carbon footprint. Furthermore, upgrading your roof can also increase your home’s value and curb appeal, and may qualify you for discounts on your homeowners insurance.

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Homeowners Insurance Contacts

Roofing Solutions Contact Information

If you need more information or assistance with your homeowners insurance or roof replacement, you can contact Roofing Solutions. They are a licensed and insured roofing company that has been serving the USA for over 20 years.

Furthermore, they offer quality workmanship, competitive pricing, and excellent customer service. They can help you with any roofing project, whether it’s a repair, a replacement, or an upgrade. Additionally, they can also help you with your insurance claim and provide you with a free estimate.

You can reach them by phone at (123) 456-7890, by email at, or by filling out the online form on their website at

You can also follow them on Facebook, Twitter, and Instagram to get the latest updates and tips on roofing. They are always looking forward to hearing from you and serving your roofing needs.


Your roof is an essential part of your home, and you should take good care of it. However, accidents and disasters can happen, and you may need to replace or repair your roof at some point. That’s why you should have a homeowners insurance policy that covers roof replacement or repairs in case of a covered peril.

To find out if your homeowners insurance covers roof replacement, you should review your policy carefully and contact your insurance agent if you have any questions. You should also compare different quotes from different insurers to find the best coverage and price for your needs.

If your roof is damaged by a covered peril, you should file a claim with your insurance company as soon as possible and follow the steps we outlined above. You should also document the damage, review the estimate and settlement offer, and receive the payment. You should use the payment to hire a licensed and reputable contractor to fix your roof.

Finally, you should maintain your roof and prevent future problems by inspecting your roof regularly, cleaning your gutters and downspouts, trimming your trees and branches, and upgrading your roof if necessary. By doing so, you can extend your roof’s lifespan, save money on repairs, and enjoy a safe and comfortable home.




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