Is Your Roof Covered By Your Home Insurance?

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Your roof is one of the most important parts of your home. It protects you from the elements and keeps your home safe and dry. But what happens if your roof is damaged? Is it covered by your home insurance?

The answer to this question depends on a number of factors, including the type of damage, the cause of the damage, and your insurance policy. However, in general, your roof is covered by your home insurance.


Home insurance policies typically cover damage to the structure of your home, including the roof. This means that if your roof is damaged by a storm, fire, or other covered event, your insurance company will pay to repair or replace it using a connected roofer such as Refurb Roofing and Building

Some of the most common events that are covered by home insurance include:

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– Storm Damage: Home insurance policies typically cover damage caused by storms, including strong winds, hail, and heavy rainfall. If your roof sustains damage due to a storm, you can file a claim with your insurance provider to cover the repair or replacement costs.

– Accidental Damage: Accidents happen, and if a branch falls on your roof or someone unintentionally damages it, your home insurance policy may cover the necessary repairs.

– Fire and Smoke Damage: Fire incidents can cause severe damage to your roof, and fortunately, most home insurance policies include coverage for fire and smoke damage.

– Vandalism and Malicious Damage: If vandals cause harm to your roof or any part of your property, your home insurance policy should cover the repair costs.

What is Not Covered by Home Insurance?

There are a number of things that are not covered by home insurance, including:

– Damage to your roof caused by neglect or poor maintenance: If your roof is damaged because you have not been keeping it in good repair, your insurance company may not cover the full cost of repairs.

– Damage to your roof caused by flooding or water damage from a burst pipe: Flooding and water damage are typically covered by flood insurance or water damage insurance, not home insurance.

– Damage to your roof caused by a power surge: Power surges are typically covered by surge protection devices, not home insurance.

– Damage to your roof caused by a war or act of terrorism: War and acts of terrorism are typically excluded from home insurance policies.home insurance roof coverage and storms

What to Do If Your Roof is Damaged

If your roof is damaged, the first thing you should do is contact your insurance company. They will need to assess the damage and determine whether it is covered by your policy. If the damage is covered, your insurance company will pay to repair or replace your roof.

In the meantime, you may need to take steps to protect your home from further damage. For example, if your roof is leaking, you may need to cover the leak with a tarp or sheet of plastic. You may also need to remove any debris from your roof that could cause further damage.

Factors Affecting Roof Insurance Coverage

– Policy Terms and Conditions: The extent of coverage can vary significantly between insurance providers and policies. It is crucial to carefully review your policy documents to understand the specific terms and conditions related to roof coverage.

– Policy Limits: Home insurance policies often have coverage limits, meaning there might be a maximum amount that your insurance will pay for roof repairs or replacement. Make sure you are aware of these limits and consider increasing coverage if needed.

– Age and Condition of Roof: Some insurance companies may take into account the age and condition of your roof when determining coverage. Older roofs or roofs in poor condition may have limited coverage or require higher premiums.

– Regular Maintenance: Insurance providers may require proof of regular roof maintenance to validate claims. Keeping your roof in good condition through regular inspections and repairs can help ensure smooth claims processing.

– Additional Coverage: If you live in an area prone to specific risks, such as flooding, earthquakes or subsidence, you might need to purchase additional coverage or a separate policy to protect against these hazards.

How to Keep Your Roof Covered by Home Insurance

There are a few things you can do to keep your roof covered by home insurance:

– Keep your roof in good repair: This means having it inspected regularly and making repairs as needed.

– Notify your insurance company of any changes to your roof: For example, if you add solar panels or a skylight, you need to let your insurance company know.

– Read your insurance policy carefully: This will help you understand what is and is not covered.


Your roof is an important part of your home. It is important to make sure that it is covered by your home insurance. By following the tips above, you can help keep your roof covered and protect your home from damage.

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