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Does home insurance cover roof replacement?
My house was hit by a pretty intense hail storm last night and there is some wicked damage to the roof. I might need to get it fully replaced. Will my home insurance cover a roof replacement?
Claire Beaney · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m so sorry to hear about your roof, that’s so unfortunate!
Luckily, most homeowner’s insurance policies cover roof replacement if the damage is caused by nature or an unexpected accident. Hail damage is typically one of the
named perils
covered in most home insurance policies. You’re more likely to have your claim approved if you have a record of repairs, before-and-after pictures, and any inspection reports, so try and gather those beforehand if you can!
And while you’ll still have to pay your deductible before your coverage kicks in, knowing that your home insurance will help you out in replacing your roof should give some peace of mind.
Now is also a good time to review your current insurance for any gaps—you could be losing out on important coverage or significant savings!
Jerry
is the easiest and most effective way to find a home or renters insurance policy that is customized for you. You can even bundle your policy with your car insurance
for the most savings. View full answer
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