Does Home Insurance Cover Roof Replacement?
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482It can, but it is always a good idea to talk to your Insurance Professional about the specific coverage that your policy provides. If the entire roof is destroyed by a covered peril in your policy, then the full roof replacement would more than likely be covered, however subject to your deductible. If only a portion of the roof is damaged, then it may be that only that portion would be covered.Answered on October 25, 2013flag this answer
215 POINTSview profileStu CohenFounder, City Building Owners Insurance, Somers, NYThe answer to your question depends on the underlying cause for replacement. If you need to replace the roof due to wear and tear, then it's considered routine home maintenance and is not covered. However, if the roof is damaged by windstorm or by another covered peril, then you likely will have coverage, subject to the deductible of your policy.Answered on August 10, 2015flag this answer
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