News & Advice

Yes, roof damage is typically covered by home insurance, but it depends on the cause of the damage and the terms of your policy.

Covered Causes (Perils)

Most standard home insurance policies cover roof damage caused by the following:

• Storms – Wind, hail, and lightning damage are usually covered.
• Falling Objects – Trees or branches falling onto the roof.
• Fire – Fire-related roof damage.
• Vandalism – Intentional damage by others.

Exclusions or Limitations

Some types of damage might not be covered:

• Wear and Tear – Insurance generally does not cover damage due to age or lack of maintenance.
• Neglect – The insurance company might deny the claim if the roof was already in poor condition and was not maintained properly.
• Damage from Pests – Damage caused by animals (e.g., birds, rodents) is often not covered.
• Flood and Earthquake – These typically require additional coverage.

Replacement Value vs. Actual Cash Value

• Replacement Cost Coverage – This type of coverage will pay for the repair or replacement of the roof at today’s cost without factoring in depreciation.
• Actual Cash Value – This coverage considers depreciation, so the older your roof is, the less you may receive.

Deductibles

Keep in mind that you will likely need to pay a deductible before your insurance coverage kicks in. Higher deductibles may apply in areas prone to certain types of damage (e.g., hurricanes, and hail).