Roof Insurance Claims Guide
Homeowners insurance can cover a full roof replacement — but only for sudden, covered perils. Here's how to know if you qualify and how to file successfully.
What's usually covered
- Hail damage
- Wind damage (missing/lifted shingles)
- Falling trees or debris
- Fire and lightning
- Some sudden water intrusion
What's usually not covered
- Age and normal wear
- Lack of maintenance
- Manufacturing defects (goes to warranty)
- Pre-existing damage
How to file the right way
- Document damage with dated photos and video.
- Get an independent inspection from a licensed roofer.
- File promptly — most policies have a 1-year window.
- Do not sign an AOB (Assignment of Benefits) without review.
- Ask about Class 4 IR shingle discounts on your renewal.