📌 Key Takeaway: Homeowners insurance generally covers sudden damage from events like wind, hail or falling trees — not wear and tear or old age. Whether you're paid replacement cost or actual cash value (ACV) for your roof can make a difference of thousands of dollars.

What's Typically Covered — and What Isn't

Usually CoveredUsually Not Covered
Wind and hail damageAge-related wear and granule loss
Fallen trees or limbsPoor maintenance or neglected leaks
Fire and lightningFaulty installation (a contractor warranty issue)
Weight of ice and snow (policy-dependent)Cosmetic-only damage on some policies

Replacement Cost vs. Actual Cash Value

Replacement cost coverage pays to replace the roof at today's prices, minus your deductible. ACV subtracts depreciation for age — so an older roof might get only a fraction of the replacement price. Many insurers now apply ACV or special roof payment schedules to older roofs, so check your declarations page before you need to file.

Wind and Hail Deductibles

In storm-prone states, policies often carry a separate percentage deductible for wind or hail — commonly 1% to 5% of the dwelling coverage amount. On a home insured for $350,000, a 2% deductible is $7,000, which can exceed the cost of a minor repair.

How to File a Roof Claim

  1. Stay safe — don't climb on a damaged roof. Photograph from the ground and inside the attic.
  2. Prevent further damage — tarping is usually expected and often reimbursable; keep receipts.
  3. Document everything — date-stamped photos, storm reports, damaged gutters, dented vents.
  4. Get a contractor inspection from a reputable local roofer to understand the damage scope.
  5. File promptly — many policies set deadlines for reporting storm damage.
  6. Meet the adjuster — having your roofer present can help ensure all damage is noted.
  7. Review the estimate line by line and request a re-inspection if items are missing.

Avoid These Claim Pitfalls

  • Signing an assignment of benefits before understanding what rights you're transferring
  • Contractors offering to waive or "eat" your deductible
  • Filing for minor damage below or near your deductible, which may still count against your claims history

Frequently Asked Questions

Will filing a roof claim raise my premium?

It can. Weather claims are sometimes treated differently than liability claims, but frequency of claims affects pricing and renewals with many insurers.

Can I choose my own roofer for an insurance claim?

Generally yes — you're usually free to choose your contractor. Your insurer pays based on its estimate of the covered damage.