Will homeowners insurance pay for your roof replacement?

Answer 1

It really depends on several factors such as the language of your Homeowners Insurance Policy, The condition of your roof but primarily, whether you have replacement valuation on your homeowners insurance policy.

If your wanting your roof replaced simply because it is worn out then there is no policy that will cover it as that is just a normal and expected part of home ownership. Composition (Shingle) roofs need to be replaced about every 20 years or so.

If your roof is severely damaged and a total loss due to a covered peril such as wind or hail damage, with replacement valuation coverage on your policy and the roof is beyond repair, then you should have no problem getting it covered for replacement by your insurer.