Does homeowners insurance cover roof replacement?

Answer 1

It depends on why your roof needs replacement.

If your roofing material has reached the end of it's life expectancy (normally no more than 20 years) then it is not covered. This is an owners maintenance issue considered a normal and expected part of home ownership. Much the same as a home needing an occasional paint job.

If the roof needs replacement due to damaged caused by a covered peril such as Fire, wind hail etc. then you may have coverage.

If damaged due to a covered peril and you have a replacement valuation on your policy then your insurance company would cover the cost of repair or replacement depending on the extent of damage and the roofs repairability.

If you purchased a less expensive policy based on ACV, then the insurance company would only pay the depreciated value of the roof. In this case the home owner would need to make up the difference out of pocket in order to pay for the roof replacement.