CSR/Producer, David Schuppler & Associates, Milwaukee, Wisconsin
Homeowners insurance typically does cover your roof, whether comprised of common asphalt shingles or another material. However, policies may differ in HOW your roof is covered. Some policies cover the roof for actual cash value (market value - depreciation = actual cash value). While others have a guaranteed amount of coverage.
Most people do not know that their deductible may be higher for wind or hail damage claims(the most common perils which lead to an insurance claim on a roof). Policies typically have an option of a flat deductible, meaning the same deductible is paid regardless of the type of claim. As an example let's say you have a flat $500 deductible. Whether there is a fire claim or wind damage claim, you pay $500 for your deductible. Many policies have the option, and some even require, a higher deductible for wind/hail claims. For example, you may have a $1,000 deductible for wind/hail and $500 deductible AOP(all other perils). Want to know what coverage you have? Check out your policy or ask your agent today!
Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
If you are referring to the roof then yes home would cover shingles for the perils of the policy. Keep in mind, wear and tear (age and deterioration) are not perils of a homeowners insurance policy. Coverage would be such things as fire, wind (assuming there is not wind exclusion) falling objects, collapse due to snow. If you have a specific question or situation please re-post the question or contact your local agent for clarification.
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
Roofing shingles as well as siding are considered to be a part of your dwelling and thus would be covered for damage caused by a covered peril. Wear and tear for example is not a covered peril whereas damage caused by wind, wind driven rain, lightening etc are. Any covered damage to your home would be handled unser the specific terms and conditions of your policy. So talk to your Insurance Professional about this. Give them the specifics about your loss and be sure to ask any and all questions that come to mind.
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Most people do not know that their deductible may be higher for wind or hail damage claims(the most common perils which lead to an insurance claim on a roof). Policies typically have an option of a flat deductible, meaning the same deductible is paid regardless of the type of claim. As an example let's say you have a flat $500 deductible. Whether there is a fire claim or wind damage claim, you pay $500 for your deductible. Many policies have the option, and some even require, a higher deductible for wind/hail claims. For example, you may have a $1,000 deductible for wind/hail and $500 deductible AOP(all other perils). Want to know what coverage you have? Check out your policy or ask your agent today!