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Will my homeowners insurance pay for a new roof?

After a decade of Midwestern weather, it’s time to replace my roof. Is this going to be covered by my homeowners insurance policy?

avatar
Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
A roof replacement is no small task, especially when it comes to strong Midwestern storms. In short, your
homeowners insurance
mayn cover the replacement, but it depends on how the roof was damaged.
Homeowners policies cover you for named perils on your policy. These perils are usually sudden, unexpected damages. For example, if your roof was destroyed or damaged by a fire or intense snowstorm, your policy would likely cover a roof replacement.
If the damage is caused by wear and tear or age, you’re likely not covered.
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