After a storm or unexpected roof failure, the question is: will insurance cover a new asphalt shingle roof? The answer depends on the cause of the damage and your policy. Here’s what you need to know.
What Is Typically Covered: Standard homeowners insurance covers sudden and accidental roof damage from covered perils like wind, hail, fire, and falling objects. If a storm tears off shingles and the roof must be replaced, your policy will likely pay—minus your deductible. Some policies only pay the depreciated value (Actual Cash Value) rather than full replacement cost (Replacement Cost Value).
What Is Typically NOT Covered:
- Wear and tear: A roof that fails due to age or lack of maintenance is your responsibility. See lifespan expectations.
- Neglect: If you ignored known problems, the resulting damage may be denied.
- Flooding: Roof damage from rising water requires flood insurance.
- Improper installation: Damage from poor workmanship is not covered. See common installation mistakes.
How to File a Claim: Document the damage with photos. Contact your insurer immediately. Obtain an estimate from a licensed contractor—see how to choose a licensed installer. Mitigate further damage (tarp the roof if needed), but don’t start permanent repairs until the adjuster inspects.
The Role of Maintenance: Insurers may deny claims if they find the roof was neglected. Regular maintenance protects your coverage—see maintenance tips. For cost details, see asphalt shingle cost. And for foundational installation knowledge, see what asphalt shingle installation involves.
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