If you’re asking, “Will my insurance cover a new roof?”, the answer depends on what caused the damage and what kind of coverage you have. Insurance doesn’t replace roofs just because they’re old. It’s there to help when a sudden, accidental event — a covered peril — causes the damage.

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Here’s what we believe homeowners need to know before filing a claim.

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When Homeowners Insurance Covers Roof Replacement

Most standard homeowners insurance policies (called HO-3 policies) cover roof damage caused by sudden, accidental events — things like storms, hail, wind, or falling trees.

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If your roof was damaged by one of these events, your insurance may pay for a new roof. Some examples include:

• A severe windstorm that rips off shingles or exposes the decking.

• Hail damage that breaks shingles and leads to leaks.

• A tree or debris falling on your home during a storm.

• Fire or lightning strikes that cause major structural damage.

 

According to the Texas Department of Insurance, some policies even pay the full replacement cost at current prices if the roof is covered under replacement-cost value (RCV) coverage.

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If the event qualifies and your policy is in good standing, your insurer may approve a full roof replacement instead of just a patch repair.

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When Roof Damage Is Not Covered by Insurance

Even when a roof is damaged, coverage isn’t guaranteed. The most common reason insurance won’t pay is age or wear and tear.

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Here’s what usually isn’t covered:

• Old roofs that have reached the end of their lifespan.

• Damage caused by neglect — like not fixing missing shingles or leaks.

• Excluded perils such as flooding or earthquakes, unless you have additional riders.

• Improper installation or poor maintenance.

 

Insurance companies don’t consider an aging or neglected roof a sudden accident. If the shingles were already cracked or brittle, they’ll call it “expected deterioration.”

 

Some insurers even reduce coverage for roofs over 20 years old, paying only the actual cash value (ACV) — the depreciated amount — instead of full replacement cost.

 

Before filing a claim, check whether your roof’s age or condition could limit coverage.

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Understanding ACV vs. RCV Roof Coverage

How your policy values your roof makes a big difference in what you’ll get paid.

 

Actual Cash Value (ACV)

ACV policies only pay the roof’s current value after depreciation.
Example: If your 20-year roof is halfway through its lifespan, the insurer might only pay 50% of the replacement cost, minus your deductible.

 

Replacement Cost Value (RCV)

RCV policies pay the full cost to replace your roof with new materials of similar quality, minus your deductible. Once the work is done and documented, the insurer reimburses the remaining balance.

RCV coverage costs more in premiums but offers far better protection. If you don’t know which one you have, check your declarations page or call your insurance provider before you need it.

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Why Roof Insurance Coverage Matters

Replacing a roof isn’t cheap. Even a basic asphalt roof can run $10,000–$15,000 depending on the square footage, while metal or tile roofs can exceed $25,000.

 

Assuming “insurance will cover it” without checking your policy can lead to big financial surprises.

 

Beyond cost, your roof directly affects your home’s insurability. Insurers view roofs as high-risk areas — old or damaged roofs can cause leaks, rot, or mold, which lead to expensive claims.

 

A well-maintained roof, on the other hand, can lower your premium. Some insurers even offer discounts after verified roof replacement.

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Steps to Take If You Think Your Roof Is Covered

If you believe storm or accidental damage qualifies for insurance coverage, follow these steps carefully:

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1. Review your policy

Check your coverage type (ACV vs. RCV), deductible amount, and the list of covered perils.

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2. Document the damage

Take clear photos and videos of the roof, gutters, attic, and any ceiling stains or leaks. Record the storm date and weather conditions if applicable.

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3. Schedule a professional roof inspection

Hire a licensed roofing contractor to assess the damage. An independent inspection report gives you leverage during the claims process.

 

4. File your claim promptly

Contact your insurer as soon as possible. Waiting too long can cause your claim to be denied for “delayed reporting.”

 

5. Meet with the insurance adjuster

When the adjuster visits, share your inspection report and damage photos. Be present to ensure they see all affected areas.

 

6. Compare estimates

Don’t automatically accept the adjuster’s quote. Compare it to your roofer’s estimate to make sure it covers materials, labor, and code requirements.

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7. Complete the replacement

Once approved, hire a qualified contractor. Keep receipts and submit final documentation to receive the remaining balance if you have RCV coverage.

Common Roof Insurance Claim Mistakes

 

Many homeowners lose coverage or pay more out of pocket because of small but costly errors. Common mistakes include:

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• Assuming old roofs automatically qualify for replacement.

• Waiting too long to file a claim after storm damage.

• Ignoring high wind or hail deductibles in certain states.

• Accepting the first estimate without comparing quotes.

• Letting a contractor “waive” your deductible (which is illegal in most states).

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Understanding your policy upfront helps you avoid these pitfalls — and protects you from denied claims.

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What Happens If You Don’t Handle It Correctly

If you file a claim incorrectly or delay repairs, you could face serious consequences.

Denied claims leave you responsible for full replacement costs and any interior water damage. Prolonged leaks can rot structural wood, ruin drywall, and create mold issues — all out-of-pocket.

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Some insurers even cancel or refuse to renew policies for homes with aging, damaged roofs. That makes future coverage harder and more expensive to get.

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In short: handling the process correctly — and fast — can save thousands.

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Key Takeaways

• Insurance can cover roof replacement if the damage comes from a covered peril like hail, wind, or fire.

• It won’t cover normal aging, neglect, or poor maintenance.

• The type of coverage — ACV vs. RCV — determines how much you’ll be reimbursed.

• Always document damage, act quickly, and compare estimates before signing anything.

• Replacing an old roof may improve your home’s insurability and reduce premiums.

 

If you’re unsure about your coverage, don’t wait until a storm hits. Review your policy now, and talk with your roofer or insurance agent about what’s actually protected.