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Yes, If your roof was damaged by a covered peril on your Home Insurance Policy then you have coverage.
If your roof is just old and is due for a replacement then that is part of the home owners maintenance responsibilities and is not covered under your policy.
Roofs occasionally have to be replaced when they reach the end of their life expectancy much the same way you need to paint every number of years. It's just normal maintenance. Failure to maintain your home in a reasonable condition can result in cancellation or non-renewal of your Home Insurance Policy.
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Earn +20 ptsQ: Will homeowners insurance cover a roof?
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