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Does home insurance cover a new roof?
The roof of my house is getting older, and I’m ready to get it replaced. With the cost of the repairs being so high, it’s time to just start fresh. Does my home insurance cover the cost of a new roof?
Payton Ternus · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about your roof, that’s a tough situation to be in.
The first thing you should do is read over your homeowners insurance policy or call your carrier to discuss your coverages. Sometimes
home insurance
will cover the cost of a new roof, but some situations are excluded from the coverage. In terms of insurance companies and policies, there are two main kinds of roof damage: damage caused by a covered loss and general wear and tear. Your homeowners insurance policy should cover the costs of roof repairs or replacement if your roof was damaged by a covered peril such as hail, wind, fire, or a fallen tree branch.
However, if your roof is damaged due to age or lack of maintenance, your insurance carrier will most likely not cover the costs of repair.
Here is what you can do to keep your roof in good condition:
- Clean the gutters. Clogged gutters can cause water to overflow back onto the roof instead of directing it away. An excess of water can result in leaks or damage to the structure’s integrity.
- Schedule inspections. Find a trustworthy roof inspector to look at your roof routinely, about every few years. This will help to catch any potential issues early on.
- Maintain surrounding trees. Trees can harm your roof through falling branches or rubbing against shingles. It is important for the integrity of your roof to keep up with regular tree trimmings.
It can be hard to figure out what is and isn’t covered by your home insurance.
Jerry
has a team ready to help you with any questions you have, and make sure you have the right policy for your needs as a homeowner. They can even help you bundle your home and auto insurance policies to save money! View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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