Does home insurance cover roofs?

Your homeowners insurance may cover damage to your roof under your policy’s dwelling coverage if it was caused by a covered peril. Dwelling coverage protects your home's structure, including the roof.

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What types of roof damage does homeowners insurance cover?

Coverage can vary but, generally, damage caused by the following perils may be covered by your home insurance policy:

  1. Windstorms

  2. Hail

  3. Snow, sleet, or ice damage

  4. Lightning strikes

  5. Fire

  6. Falling objects

Dwelling coverage may also pay to repair ceilings and walls if the damage to your roof results in interior damage. If your belongings are also damaged, such as furniture, appliances, and clothing, your personal property coverage may pay to repair or replace those items.

Does homeowners insurance cover roof damage to my shed?

If a shed, barn, detached garage, or other unattached structure on your property sustains roof damage, it may be covered under other structures coverage on your policy, as long as a covered peril causes the damage.

Are roof leaks covered?

If your roof is leaking due to damage from a covered peril, your insurer may pay to repair or replace it, up to the limits of your coverage and minus your deductible. If the roof damage is a result of neglect or wear and tear, it likely won't be covered by your homeowners insurance policy. Learn more about how homeowners insurance covers roof leaks.

Is wind damage to your roof covered by homeowners insurance?

Wind damage to your roof can range from a few shingles peeling to a tree crashing into it. When filing a roof damage insurance claim due to wind, an adjuster may inspect your roof. Many policies have separate deductibles for hurricanes and windstorms, which can be a percentage of your home's total dwelling coverage.

Will home insurance cover a new roof?

Severe weather, like hail, can impact the structure of the roof and affect its lifespan. If your roof sustained structural damage, it might need to be replaced. If your roof was damaged by a covered peril, your insurer may pay to replace it, up to your policy’s limits and minus your deductible.

When doesn't homeowners insurance cover roof damage?

If your roof suffers from neglect or wear and tear, your homeowners insurance likely won't cover the cost of a roof replacement. If your roof is older, your policy may provide limited coverage or none at all, depending on your insurance company and policy.

Filing a homeowners insurance claim for roof damage

Your damages must exceed your deductible before your insurance will pay to repair a damaged roof. Keep in mind that homeowners insurance deductibles can vary significantly and your premium may increase as a result of the claim.

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