First, you have to determine the age of your roof. If it is going on 20+ years then you are going to face an uphill battle. The reason for this is if a roof is done well, then you can probably expect 15-20 years out of it. If it is 20+ years then most insurance companies are going to argue that the cause of loss is "wear and tear," which is universally not going to be covered (that is more of a warranty issue).
Second, if your roof is newer, you have to then look at the cause of loss and the type of Homeowners form you have. If it is a HO-3, then everything is covered unless it is excluded. What this means is it is a special form and all losses are covered unless there is a specific exclusion in your policy. If you have an HO-2 or HO-1 you will have less coverage because the causes of loss are specified in the policy.
So, if your shingle was somewhat new and it was damaged due to a reason listed in your policy you will have coverage.
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
A general rule of thumb is that Homeowners' Insurance Policy is not a maintenance agreement. So if you are asking if you can have your insurance pay to replace your roof due to age or wear and tear, the answer is going to be no. However, talk to your Insurance Professional about the specific terms and conditions of your policy. Discuss the covered perils as they relate to damage that your roof may have sustained. For example, wind, hail, weight of ice and snow are all usually covered perils in a Homeowners policy. Therefore, if your roof was damaged as a result of these or any other perils named in your policy, then you will find that there is coverage. The settlement will, of course, be subject to your property deductible.
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First, you have to determine the age of your roof. If it is going on 20+ years then you are going to face an uphill battle. The reason for this is if a roof is done well, then you can probably expect 15-20 years out of it. If it is 20+ years then most insurance companies are going to argue that the cause of loss is "wear and tear," which is universally not going to be covered (that is more of a warranty issue).
Second, if your roof is newer, you have to then look at the cause of loss and the type of Homeowners form you have. If it is a HO-3, then everything is covered unless it is excluded. What this means is it is a special form and all losses are covered unless there is a specific exclusion in your policy. If you have an HO-2 or HO-1 you will have less coverage because the causes of loss are specified in the policy.
So, if your shingle was somewhat new and it was damaged due to a reason listed in your policy you will have coverage.