Will homeowners insurance cover a new roof?

Answer 1

Your question can be read in a couple of ways.

1. If an occurrence covered by a homeowners policy caused damage to the roof, it probably would be covered. If the occurrence that caused the damage was a type of occurrence covered by the policy, the damage would likely be covered.

2. Conversely, if the roof leaked just because it was old, insurance would not cover repair or replacement because insurance does not cover ordinary wear and tear.

3. If what you mean is whether a new roof (rather than an existing roof) is covered, the rule stated in #1 would apply.