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  • Adriana Ferreira

Does Homeowners Insurance Cover Roof Replacement?

Updated: Jun 25, 2023

Your home is likely your most valuable asset, and your roof plays a crucial role in protecting it. But does homeowners insurance cover roof replacement if disaster strikes? Understanding the ins and outs of your insurance policy can be a daunting task, but it's essential to ensure you have the proper coverage and know what to expect when filing a roof insurance claim. This comprehensive guide will walk you through everything you need to know about homeowners insurance and roof replacement, from covered perils and policy types to factors affecting coverage and navigating the claims process.

Short Summary

  • Understanding homeowners insurance and roof replacement is essential for coverage eligibility.

  • Factors such as age, materials used, maintenance, and preventable damage are all considered when determining the coverage of a roof replacement claim.

  • Filing a successful claim requires assessing and documenting the damage, obtaining professional repair estimates, reviewing policy documents & contacting your agent to maximize coverage.

Understanding Homeowners Insurance and Roof Replacement

Homeowners insurance is designed to protect your home and its contents from unexpected events like extreme weather, fallen tree limbs, and extensive hail damage. While policies vary, most provide coverage for roof replacement if the damage falls under the specified covered perils. However, it's crucial to remember that homeowners insurance doesn't cover normal wear and tear, making regular inspections and maintenance a must to prevent significant damage down the line.

As a homeowner, it's essential to understand the specifics of your insurance policy, including the types of roof damage covered by most homeowners insurance policies and the determining factors that impact coverage eligibility. Additionally, insurance companies may mandate roof replacement if the roof's current condition is unsatisfactory. To navigate this complex landscape, let's dive deeper into the covered perils and policy types related to roof replacement.

Covered Perils

A typical HO-3 homeowners insurance policy provides coverage for roof repairs or replacement resulting from events such as fire, lightning, wind and hail damage, explosions, and other disasters. However, if your roof is over 20 years old, your home insurance policy may only cover the actual cash value rather than the full replacement cost, which can impact the coverage you receive.

When selecting roofing materials, it's important to consider the potential impact on your insurance coverage. Some expensive materials, like cedar or recycled shake shingles, might not be covered by your policy. To ensure you have the appropriate coverage for your roof, consult with a reputable roofing company, like A&M Roofing, and review your policy documents carefully.

Policy Types

Homeowners' insurance policies for roof replacement typically fall into two categories: Actual Cash Value (ACV) and Replacement Cost Value (RCV). ACV policies provide compensation based on the depreciated value of your roof, while RCV policies cover the total cost of replacing your roof with a new, equivalent one.

When it comes to roof insurance, you'll also need to consider the difference between repair and replacement coverage. Repair coverage reimburses you for a certain percentage of repair costs, whereas replacement coverage provides for the full replacement of a roof that's considered beyond repair.

An insurance adjuster will assess the damage to your roof and determine the appropriate coverage for your situation.

Factors Affecting Roof Replacement Coverage

Asphalt shingle roof marked after hail damage inspection by A&M Roofing
Roof Showing Hail Storm Damage in Northern Virginia

The age of your roof, the materials used, its upkeep, and the presence of preventable damage all play a role in determining the coverage of a roof replacement in Northern Virginia. Insurance companies strongly emphasize the condition of your home's roof, as it serves as the primary protection against potential perils and the elements. As a homeowner, it's your responsibility to properly maintain and care for your roof to ensure it remains in good condition.

To help you better understand how these factors can affect your roof replacement coverage, let's explore the impact of the age of your roof, the materials used, and the importance of maintenance and preventing damage.

Age of Roof

The age of your roof can significantly impact your coverage. Older, worn-out roofs may be more challenging to insure, and your insurance company may even decline to renew your policy until you repair or replace the roof. While most insurance companies will cover a 15-year-old roof, coverage for a roof that is 20 years or older may not be available.

To avoid potential issues, it's essential to keep track of your roof's age and consider replacing it when necessary. Regular inspections can help you stay ahead of any potential problems and ensure your roof remains in good condition.

Roof Materials

The materials used in your roof's construction can also affect coverage. Common roofing materials in the US include asphalt shingles, standing seam metal roofs, cedar shake roofs, composite shingles, wood shakes, clay tiles, and concrete tiles. The estimated lifespan of asphalt shingles, for example, is approximately 20 years.

When choosing roofing materials, consider their impact on your insurance coverage and the potential costs of repair or replacement. Consult with a reputable roofing company, like A&M Roofing, to determine the best materials for your home and location.

Maintenance and Preventable Damage

Preventable damage refers to damage that could have been avoided if the homeowner had taken appropriate measures. As a homeowner, it's your responsibility to ensure the proper maintenance of your roof to prevent damage and extend its lifespan.

By conducting routine maintenance, you can help prevent potential threats to your roof and ensure its safety. A&M Roofing's team of HAAG-certified inspectors can also help you stay informed about the current condition of your roof.

Filing a Roof Replacement Claim with Your Insurance Company

If your roof has been damaged and you believe it's covered by your homeowners' insurance, it's essential to follow the proper steps to file a claim and maximize your chances of receiving coverage. Begin by assessing and documenting the damage, reviewing your property insurance policy documents, contacting your insurance agent, and obtaining professional repair estimates.

Navigating the roof claim process can be complex, but by working closely with your insurance company, you can ensure a smoother experience. To help guide you through this process, let's discuss the steps involved.

Assess and Document Damage

The first step in filing a roof repair or replacement claim is to assess and document the damage. This can be done by inspecting the roof from a safe location or hiring a reputable roofing contractor in Northern Virginia to perform a thorough inspection. Once you have assessed the damage, document any evidence by taking photographs and noting the date.

It's essential to accurately assess and document the damage to your roof to ensure proper reimbursement from your insurance company. If you're unsure about the extent of the damage, consider contacting a professional roofer for an inspection and advice.

Review Policy and Contact Agent

After documenting the damage, review your insurance policy documents to determine if your roof's damage is covered and contact your insurance agent. Your agent can help you understand your policy's coverage, guide you through the process, and answer any questions you may have.

It's essential to have a clear understanding of your policy and the coverage it provides before filing a claim. Your insurance agent can be an invaluable resource during this process, helping you navigate the often complex world of homeowners insurance.

Obtain Professional Repair Estimates

Before submitting your claim, it's a good idea to obtain professional repair estimates. By comparing multiple quotes from reputable roofing contractors in Northern Virginia, you can ensure you're receiving accurate and fair pricing for the necessary repairs or replacement.

Once you have obtained estimates, submit your claim with the required documentation, including photos and the estimate, to your insurance company. They will then review your claim and determine the appropriate coverage based on your policy and the extent of the damage.

Working with Roofing Companies and Avoiding Scams

A&M Roofing crew during roof installation in Northern Virginia
Complete Roof Replacement in Northern Virginia

Working with an experienced roofing company, like A&M Roofing, can significantly impact your insurance claim's success. A reputable contractor can inspect your roof, compile a detailed report, and work with your insurance adjuster to ensure a smooth insurance claim process.

However, it's essential to be vigilant about potential scams and storm chasers that may prey on homeowners in need of roof repairs or replacement. To avoid falling victim to roofing scams, read reviews, request referrals from acquaintances, and verify the company's status with the Better Business Bureau.

Additionally, it's a good idea to have a roofing contractor present when your homeowner's insurance adjuster arrives to assess the damage so they can discuss repair costs together.

Deductibles and Roof Replacement Costs

When filing a roof replacement insurance claim, it's important to understand how deductibles play a role in the process. A deductible is the amount you must pay out-of-pocket before your insurance coverage kicks in. Deductibles can be a flat fee or a percentage of your dwelling coverage limit, and choosing a higher deductible can result in cheaper insurance premiums.

It's essential to weigh the costs of repairs against your deductible before filing a claim. If the cost of repairs is lower than your deductible, it may be more cost-effective to handle the repairs yourself. Additionally, filing small claims or filing claims too frequently can lead to your insurance provider canceling your coverage.

Regular Roof Inspections and Maintenance Tips

To keep your roof in top condition and minimize the need for costly repairs or replacement, it's crucial to perform regular roof inspections and maintenance. This can help you identify potential issues before they become significant problems and ensure your roof remains safe and functional.

When deciding whether to repair or replace your roof, consider factors such as the extent of the damage, the roof's age, and whether you plan to sell your home in the near future. Replacing your roof before selling your home can increase its aesthetic appeal and potentially boost its sale price.

Additionally, if you live in an area prone to wind, make sure your roof and home comply with current building codes to minimize potential damage.


Understanding your homeowners' insurance policy and its coverage for roof replacement is essential for protecting your most valuable asset - your home. By familiarizing yourself with covered risks, policy types, and factors affecting your roofing insurance coverage amount, you can confidently navigate the claims process and ensure the safety and longevity of your roof. Remember to perform regular inspections and maintenance, work with reputable roofing companies, and stay vigilant against potential scams.

At A&M Roofing, we are proud to be certified by the nation's leading manufacturers. Our team of skilled professionals has the proper knowledge and resources to help protect your home so you can enjoy peace of mind, knowing you're covered when the unexpected happens.

Contact us today to learn more about our services and request a free estimate!

Frequently Asked Questions

Will insurance cover lifted shingles?

Based on the most commonly accepted advice, home insurance companies may cover lifted shingles if they are replaced with a "like-kind" material.

However, a homeowners insurance company will often require that all the shingles on the roof be replaced if the original material has been discontinued.

When should I replace my roof?

To ensure the longevity of your roof, it is recommended that you replace asphalt shingle roofs every 15-20 years. If your home has 30 or 40-year shingles, begin having annual inspections to decide when the roof needs to be replaced.

Consequently, plan to replace your roof depending on its material and age.



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