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Does home insurance pay for a roof replacement?

My town faced a pretty severe snow and wind storm the other night. The roof of my house took quite a beating. After the storm, I noticed a couple of leaks and plenty of missing shingles. Will my home insurance pay for a roof replacement?

avatar
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That sounds like a dreadful storm. I’m happy to hear the damage wasn’t more severe!
In this situation, your
home insurance
will pay for a roof replacement or repair, since the damage resulted from a
covered peril
. If general wear and tear, age, or neglect caused the damage, you wouldn’t have coverage under your insurance.
After getting a closer look at the extent of the damage, you should contact your insurance company to confirm you’re covered and begin the claims process. Additionally, to ensure this claim and any in the future are approved, you should document the damage by:
  • Taking before and after photos
  • Keeping a record of the repairs and their cost
  • Holding onto any inspection reports
If you have any out-of-pocket costs, like your deductible, you can make them more manageable by using
Jerry
to save on both your home and
car insurance
policies.
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