Franciscus Roofing

Many homeowners are unsure about what their insurance policy actually covers, especially when it comes to major repairs like roof replacement. The answer isn’t always simple, because it depends on the cause of the damage and the details of the policy.

If a roof wears out over time, insurance usually will not cover it. But if a storm or accident causes damage, insurance could help pay for a new roof.

Understanding the basic rules of what insurance covers can help homeowners know what to expect before they file a claim.

How Homeowners Insurance Typically Covers Roof Replacement

Yes, homeowners insurance typically covers roof replacement, but only under specific circumstances. Coverage generally applies when the damage is caused by a “covered peril” which is an event that is sudden, accidental, and listed in the policy.

Covered perils often include events like windstorms, hail, fire, and falling objects. Normal wear and tear, poor maintenance, and age-related deterioration are not considered covered perils.

The part of your insurance policy that might pay for a new roof is called “dwelling coverage.” This section protects the physical structure of your home, including the roof, if it is damaged by a covered peril.

Common covered scenarios include:

• Strong winds that tear off shingles
• Hail that damages roofing materials
• Fallen trees or large branches
• Fire damage to roof structures
• Weight of ice or snow causing collapse

Insurance policies typically use one of two methods to determine how much they’ll pay for roof replacement:

• Actual cash value: Takes depreciation into account, meaning the insurance company subtracts the roof’s age and condition from the replacement cost
• Replacement cost value: Pays the full cost to replace the damaged roof with similar materials without deducting for depreciation

When Insurance May Not Cover Your Roof

Insurance companies have clear guidelines about what types of roof damage they won’t cover. Understanding these exceptions can save you from surprise claim denials.

Aging Roof Limitations

Insurance companies view older roofs as higher risk. If you’re unsure how often to replace your roof, remember that many asphalt shingle roofs last 15-30 years, and insurance coverage often becomes more limited as roofs age.

For roofs over 10-15 years old, many insurance companies in 2025 have started:

• Offering only actual cash value coverage instead of replacement cost
• Requiring roof inspections before renewing policies
• Adding special roof deductibles for older roofs
• Excluding coverage for roofs beyond a certain age

If your roof is older, check your policy documents for age-related limitations that might affect roof replacement coverage.

Neglect Or Poor Maintenance

Insurance doesn’t cover damage resulting from neglect. Regular maintenance is considered the homeowner’s responsibility.

Examples of neglect that can void roof coverage include:

• Ignoring missing or damaged shingles
• Failing to clean gutters, leading to water backup
• Not addressing small leaks until they cause major damage
• Allowing moss, algae, or tree branches to damage roofing materials

Insurance adjusters are trained to spot signs of long-term neglect versus sudden damage, and they’ll deny claims if they determine poor maintenance contributed to the problem.

Gradual Wear And Tear

Normal deterioration that happens over time isn’t covered by homeowners insurance. This includes:

• Shingles losing granules due to age and weather exposure
• Slow leaks that worsen gradually
• Cracking or brittleness from sun exposure
• Warping or curling shingles

These issues fall under normal maintenance rather than sudden, accidental damage. When asking “does home insurance cover new roof” replacement, the answer is no if the need stems from these gradual issues.

Filing A Claim For Roof Replacement

If your roof is damaged by a covered event like a storm, following the right steps can improve your chances of getting insurance to replace your roof.

1. Document The Damage

Take clear photos of all visible roof damage immediately after the event (if safe to do so). Capture wide shots of the entire roof and close-ups of specific damage areas.

Documentation tips:

• Timing matters: Take photos as soon as possible after the damage occurs
• Be thorough: Document interior damage like water stains or leaks
• Stay safe: Don’t climb on a damaged roof; use zoom features or hire professionals

2. Contact Your Insurance Provider

Report the damage to your insurance company promptly. Most policies require notification within a specific timeframe.

When you call, have your policy number ready and be prepared to explain:

• When the damage occurred
• What caused the damage (storm, falling tree, etc.)
• The extent of damage you can see

The insurance company will open a claim and assign you a claim number for tracking purposes.

3. Schedule A Professional Inspection

Having a qualified roofing contractor inspect the damage provides expert documentation for your claim.

A professional roof inspection typically includes:

• Assessment of all damage, including hidden issues
• Written report detailing necessary repairs
• Cost estimate for roof repair or replacement
• Documentation that distinguishes storm damage from wear and tear

Franciscus Roofing provides thorough inspections that help clarify whether the damage qualifies for insurance coverage.

4. Meet The Adjuster

The insurance company will send an adjuster to evaluate the damage in person. This visit is crucial for determining whether your claim is approved.

For the adjuster visit:

• Be present: Walk through the damage with the adjuster
• Share documentation: Provide your photos and the contractor’s report
• Ask questions: Understand what the adjuster is seeing and noting
• Take notes: Record what the adjuster says about coverage

Having your roofing contractor present during this inspection can help ensure all damage is properly identified and classified as storm-related rather than maintenance issues.

5. Review The Estimate

After the inspection, you’ll receive a written estimate from the insurance company detailing what they’ll cover. This document includes:

• Itemized costs for materials and labor
• Any depreciation deductions
• Your deductible amount
• The total amount the insurance company will pay

Compare this estimate with your contractor’s estimate to identify any discrepancies that need to be addressed. If you’re unsure about typical expenses, check out this guide on new roof cost.

6. Clarify Full Or Partial Coverage

Insurance may cover full replacement or only partial repairs depending on the extent of damage and your policy terms.

Coverage scenarios:

• Full replacement: Typically approved when damage affects most of the roof or when partial replacement wouldn’t restore proper function
• Partial replacement: Common when damage is limited to one section or slope
• Repair only: Often the case for minor, localized damage

Your policy type (replacement cost vs. actual cash value) significantly affects how much of the replacement cost insurance will cover.

Key Steps To Maximize Roof Insurance Coverage

Taking proactive steps before damage occurs can help ensure better coverage when you need it.

1. Keep Up With Inspections

Regular roof inspections help identify problems early and demonstrate proper maintenance to insurance companies.

Inspection benefits:

• Documentation: Creates a record of your roof’s condition before damage
• Early detection: Finds minor issues before they become major problems
• Maintenance proof: Shows insurance companies you’ve been responsible

Annual inspections are typically sufficient, with additional checks after major storms.

2. Maintain Records And Receipts

Organized documentation strengthens your position when filing an insurance claim for roof replacement.

Keep records of:

• Previous roof inspections
• All repairs and maintenance
• Before and after photos of any work done
• Your original roof installation date and warranty information

These records prove you’ve maintained your roof properly and can help counter any claim denials based on maintenance issues.

3. Understand Your Policy’s Wind And Hail Provisions

Many homeowners insurance policies have specific terms for wind and hail damage, which are the most common causes of roof insurance claims.

Policy features to check:

• Special deductibles: Some policies have higher deductibles for wind/hail claims
• Coverage limits: There may be caps on how much the policy pays for these damages
• Exclusions: Some policies exclude cosmetic damage that doesn’t affect function

Reviewing these provisions helps you understand what to expect if your roof is damaged in a storm.

Repair Or Replace: Understanding The Difference For Insurance

Insurance companies evaluate several factors when deciding whether to approve a repair or complete replacement.

The extent of damage is the primary consideration. Generally:

• Damage to less than 30% of the roof often results in repairs
• Damage exceeding 30% may qualify for full replacement
• Damage to multiple areas across the roof strengthens the case for replacement

Insurance companies also consider whether repairs would create a mismatched appearance or compromise the roof’s integrity.

Scenario	Typical Insurance Response	Key Considerations
Single area of damage	Repair only	Subject to deductible; may not be worth claiming
Multiple damaged areas	Partial replacement possible	Depends on distribution of damage
Widespread damage	Full replacement likely	Most comprehensive coverage scenario
Older roof with damage	Reduced coverage	May only receive depreciated value

Each situation is unique, and the final determination depends on your specific policy terms and the adjuster’s assessment.

Your Next Steps For A Hassle-Free Roof Replacement

If your roof has been damaged and you’re considering an insurance claim, start by reviewing your policy to understand your coverage type and deductible amount.

Gather documentation about your roof’s age, condition, and maintenance history. This information helps establish that the damage resulted from a covered event rather than neglect.

A professional roof inspection provides expert assessment of the damage and documentation for your claim. Franciscus Roofing offers free roof inspections that include detailed reports useful for insurance claims.

When working with your insurance company, be prepared to explain clearly how the damage occurred and provide all supporting documentation. Following up regularly on your claim helps ensure it moves forward efficiently.

Choosing an experienced contractor familiar with insurance work makes the process smoother. Franciscus Roofing has extensive experience with insurance and roof replacement projects throughout Northeast Ohio, including roof repair insurance claims assistance.

FAQs About Homeowners Insurance And Roof Replacement

Will my insurance rates increase if I file a claim for roof replacement?

Filing a roof replacement claim may affect your rates at renewal time, especially if you’ve filed other claims recently or if the damage resulted from a widespread weather event in your area.

Does homeowners insurance cover roof leaks from rain?

Insurance covers roof leaks from rain only if the leak resulted from sudden, accidental damage like a storm that damaged shingles. Leaks from normal wear and tear or poor maintenance aren’t covered.

How long do I have to file a roof damage claim with my insurance?

Most policies require filing claims within 6-12 months of the damage occurring, though this varies by insurer. Filing promptly helps avoid complications and additional damage.

Will insurance cover a roof replacement if my roof is over 20 years old?

Insurance typically provides limited coverage for roofs over 20 years old, often paying only the depreciated value rather than full replacement cost. Some policies exclude older roofs entirely.

Can I choose my own roofing contractor for an insurance-covered replacement?

Yes, you can select your own licensed and insured roofing contractor even when insurance is paying for the work. The insurance company may suggest contractors but cannot require you to use specific ones.