Understanding what your policy covers—and what it doesn’t—can save you from unexpected costs when you need protection most.
Does Homeowners Insurance Cover Roof Damage?
Generally, yes, but only under certain conditions.
Most homeowners policies cover sudden and accidental damage from things like wind, hail, fire, or falling trees. However, if your roof is leaking due to wear and tear, old age, or poor installation, you’ll likely be responsible for the repairs.
Here’s the key difference:
- Covered: A tree crashes into your roof during a storm
- Not covered: Your 20-year-old shingles finally give out
Also, be aware of whether your policy uses actual cash value (ACV) or replacement cost value (RCV), as this determines how much you’re reimbursed.
When Will Insurance Deny Roof Coverage?
It’s more common than you might think. Insurers may partially or fully deny a claim for:
- Roofs 15+ years old
- Pre-existing or cosmetic-only damage
- Poor maintenance or missing documentation
- Unpermitted or unlicensed repair work
Some insurers won’t even write new policies for roofs over 20 years old.
How Roof Type & Age Affect Premiums
The type and condition of your roof directly impact your premium.
- Older roofs = higher premiums and fewer options
- Roofing materials matter too (metal lasts longer than shingles)
- Upgrades can earn discounts or reduce your deductible
That’s why a proactive approach, including documented inspections, can save you money in the long run.
Roof Claims: What to Expect
If your roof is damaged, here’s what to do:
- Take clear photos
- Tarp if needed to prevent further damage
- Get repair estimates
- Contact your insurance agent before any repairs begin
Leavitt Piedmont can guide you through the process and help prevent common mistakes, like starting repairs before an adjuster sees the damage.
Protecting Your Roof = Protecting Your Investment
Keep your roof in good shape with:
- Inspections every 1–2 years
- Trimming trees near the roofline
- Using certified contractors for repairs
- Keeping records of any work done
How Leavitt Piedmont Can Help
We can help with the following:
- Explain what your policy does and doesn’t cover
- Recommend local inspectors or contractors
- Review quotes for upgraded materials
- Help you find a better policy if needed
- Assist with claims from start to finish
Ready to Review Your Roof Coverage?
We’re here to help you avoid gaps in coverage and prepare for whatever the weather brings.
Contact us today to schedule a free policy review.
