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Question DetailsAsked on 7/5/2013

does home owner insurance pay to replace a roof

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2 Answers


It depends on a number of factors including how old the roof is, whether there was a natural disaster/storm that caused the damage, and what your policy states for coverage. Call your agent and ask them about it. They can give you advice whether it is in your interest to file a claim. If you file a claim your rates could increase even if it is denied so it is important to know if you have coverage or qualify for insurance coverage on the roof. Speaking to your agent does not start a claim or put a mark on your file that can increase your rates.

Todd Shell

Todd's Home Services

San Antonio, TX

Answered 7 years ago by Todd's Home Services


Read your policy terms - almost universally, long-term wear and tear or degradation or product failure of any kind will be excluded, so normal periodic replacement is NOT covered.

Insurance almost always covers only one-time events and accidents - for a roof, say a tree falling on it, hail or windstorm damage, etc. Ditto for other wear and tear or old-age issues, such as deteriorating exterior paint, replacement of chronically leaking aged pipes, etc.

One thing Todd said needs a disclaimer - depending on the agent and the insurance company, talking to the agent about a possible claim or whether a loss is covered CAN put a claim mark on your file and count as a claim even if there is no payout, depending on the company. The same happens if you talkk about the agent about a possible claim that is never filed - say an minor accident you pay yourself rather than claiming, or talking to them about a possible claim by a neighbor because your tree hit their house, etc. It is not fair,, but that is the way things are.

There are Attorney General lawsuits and Class Action suits on this issue right now against several insurance companies - those with centralized claim centers tend to be accused of this more often than those with local claim adjustment. I would read your policy FIRST, and it should be pretty clear to you if the damage is due to physical damage from impact, rain, or hail - then decide from the terms if the type of damage you have is likely to be covered.

I would bet 100:1 that if not from one of those causes, as a one-time very short-term (a day or so) damage event, then it is not covered. Also, look for exclusions for hurricane or tornado or severe windstorm damasge - some policies in the deep south and tornado alley have that exclusion on standard policies, and you have to pay extra for that coverage.

Answered 7 years ago by LCD

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