Home Insurance Does home insurance cover roof repair? View Carriers Please enter valid zip Compare top carriers in your area Written by Barbara Marquand | Posted on: August 22, 2012 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. The answer depends on what caused the roof damage. Home insurance does not cover damage due to normal wear and tear. Homeowners bear the financial responsibility to maintain the property, which means replacing old items when they wear out. However, if a peril covered by the home insurance policy damaged the roof, then the insurance company would pay for the repair, minus the deductible. Damage from hail, snow and ice, fallen trees and lightning would be covered, for instance. Contact your insurance agent or company for details and for guidance in filing a claim if the damage is covered. If full roof replacement is in order, ask about home insurance discounts for impact-resistant roofing materials. Some roofing products qualify for discounts because they are less prone than standard shingles to damage from hail, flying debris and wind. Impact-resistant shingles cost more than standard shingles, but with the insurance premium discount, they can pay for themselves in a few years. Shop carefully for roofers. Ask for recommendations from neighbors and friends. Your insurer can likely also provide a list of preferred contractors. Get at least two written estimates. Make sure the contractor is licensed and the contract spells out all the pertinent details, including the scope of work, cost, guarantees, schedule and other expectations, before you hire a roofer. Don’t pay for the job in full or sign a completion statement until the work is finished and an inspection shows it was done properly. For more, see Home insurance basics. In case you missed it What is condo (HO-6) insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Can insurance companies cancel your policy if your home is vacant? By Nupur Gambhir What is condo (HO-6) insurance and how much does it cost? By Shivani Gite Are landlords responsible for tree damage to your car? By Nupur Gambhir Does homeowners insurance cover TV damage? By Cassidy Horton Does homeowners insurance cover laptop or computer damage? By Mark Vallet Does homeowners insurance cover rotting wood? By Penny Gusner ZIP Code Please enter valid ZIP See rates