Knowing your home's roof underlayment replacement cost can help estimate the cost of roof replacement. Learn about the factors that affect prices.
When Will Insurance Pay for a New Roof?
Find out if your home’s cover is covered
Get quotes from roofers near you
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Get quotes from roofers near you
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Homeowners insurance coverage for a new roof depends on the damage type, with storm damage and falling trees covered while neglect and age-related wear are not.
Your policy determines whether you receive actual cash value with depreciation or full replacement cost, and you'll pay your deductible regardless of coverage amount.
When you document roof damage, collect maintenance records and get multiple estimates before signing a contract to ensure you have everything your insurer needs.
Hiring a local roofing professional provides expert damage assessment and accurate estimates, helping you navigate the insurance claim process with confidence and support.
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Replacing your roof is a major investment and can be an unexpected expense after severe weather or an accident. Depending on your homeowners insurance policy, the type and severity of the damage, and your existing roof’s age and condition, your insurance may pay for a new roof. We’ll explore when insurance might pay for a new roof, what’s usually covered, and what steps you need to take to make a claim.
Pro Tip
A good indicator that the roof needs to be replaced and done by a professional is evidence of missing shingles or other materials. If the roof is beginning to lose shingles during major storms, then it is likely time to have it replaced rather than making repairs.
Does Homeowners Insurance Pay for a New Roof?
Homeowners insurance may cover the cost of roof replacement if your roof is damaged by a storm or an accident like a fire or fallen tree. That being said, every insurance policy is different, and the types of covered damage can depend on where you live, the type of roof you have, and your policy details. It’s best to confirm what your policy does and doesn’t cover before making a claim.
What Kind of Damage Is Covered?
The types of roof damage often covered by insurance include:
Recent storm damage
Damage resulting from a natural disaster like a hurricane or tornado
Fire damage
Vandalism
Falling objects like trees
Damage from high winds
Not all policies will cover all kinds of storm or accidental damage, so it’s important to review your policy.
What Kind of Damage Is Not Covered?
Homeowners insurance is unlikely to cover roof damage from:
A lack of regular roof maintenance
Normal wear and tear
Improper installation
Mold or rotted wood
Animals
Age-related material degradation
Whether or not your home insurance covers roof leaks depends on a few different factors, including the leak’s cause, your roof’s age, and the type of damage caused by the leak.
How Much Will Insurance Pay for a New Roof?
How much your insurance pays toward a new roof varies on a case-by-case basis and depends on your chosen coverage limits. In some circumstances, they may pay for the cost of roof repairs. In others, they may cover an entire replacement. Insurance companies have two different levels of payout: actual cash value, which pays what your roof is currently worth with depreciation, and replacement cost, which is the full cost of a brand-new roof.
If your insurance will only pay for part of the replacement costs, you may need to look into roof financing options. When getting estimates, ask your roofer if they offer financing or look into a loan or line of credit to cover the cost.
Regardless of how much your insurance covers, you will be responsible for paying your deductible on the claim. If your policy will only cover repairs that cost less than your deductible, you may want to skip making a claim.
Steps to Get Insurance to Pay for a New Roof
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Follow these steps to provide everything you need for the roof insurance claim process.
Check your policy to see what kind of damage is covered and what type of documentation the company requires.
Inspect your roof to determine which parts of your roof were affected. It’s safest to hire a local roofer to assess the damage.
Document the damage and collect records of any roof maintenance you’ve done.
Contact your insurance company so they can send out an inspector or adjuster.
Get a few roofing estimates to see how much the damage will cost to fix before signing a roofing contract. Choose a roofer with experience working on your roof type.
Finalize your claim and keep in touch with your insurance agent.
Frequently Asked Questions
Roofing services reviews from real Angi homeowners in Columbus, OH
4.3★ avg. • 120 total reviews
- Chance R.
D1 Roofing delivers outstanding service from beginning to end, backed by a strong warranty and expert teams. I highly recommend them for their excellence in meeting and surpassing expectations with unmatched communication. Choosing D1 Roofing was flawless decision
Division 1 Roofing LLC - Jeremy P.
This place took $25,000 for a flat roof job with a five-year warranty and never returned to fix the leaks that were caused by their work. These people are not professionals and should not be doing this type of work. They incorrectly changed the pitch of the roof, and caused more damage than...
- David B.
The technician was very professional and friendly. He answered all my questions and was very thorough. He left the fireplace area very clean . He inspected from the roof and advised me as to other work that might need to be done. There was no pressure there. I was very satisfied with the...
Supreme brick & chimney - Kevin S.
I am really impressed with their timeliness and turnaround. Mitchell came out, and we decided to move forward with their pricing. Our roof was on within a week, and we could not be happier with their team! Amazing company, great prices and honest, dependable craftsmanship. I highly recommend...
Window Depot USA of Central Ohio - Rob B.
Manuel Calvillo is the best option in the area for roofing and you won't be disappointed.
- Julie K.
They damaged multiple items on my property, including a marble slab used as a table top, tried to hide it, and refused to pay or replace. Arrived day one without a ladder to access roof & delayed a day. Left a mess in back yard; didn't wear face masks; no show by owner to property to see damages
Grants Tree Service - Marcia L.
I've hired Gary/Cherokee Roofing for two different homes, work quality, responsiveness, and completion have been great both times. And the prices quoted were very competitive. I would definitely hire again.
- Paul F.
Lyle did a great job removing asbestos shingles from our front porch roof. They worked together with our roofer to make sure that the new roof was able to be installed on the same day that Lyle removed the asbestos shingles.
Lyle Environmental - Paul F.
Bradley Builders did a good job replacing the roof on our front porch. They color-matched the existing shingles on the rest of the house and installed a metal ridge roll since we live in a historical neighborhood. They did the job while we were out of town. When we got back, everything was...
Bradley Builders, Inc. - Madison B.
I would absolutely recommend this business. They offer a variety of services, including: painting, roofing, and refinishing wood flooring. I hired them to refinish the original hardwood flooring in my home built in 1874. The job was quite challenging, as the floors were extremely aged and...
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