To answer the common question of whether you can claim roof replacement costs on your homeowners insurance, the answer is Yes! Roof replacement can be covered by homeowners insurance, but only under certain conditions. Coverage for your roof replacement will depend on the cause of the damage, your policy type, and your deductible.

When Roof Replacement Is Covered

Insurance usually pays for a new roof when the damage is sudden and accidental, These causes are distinct from replacement due to age or deferred maintenance.

Policy details to consider

Actual Cash Value (ACV) vs. Replacement Cost Value (RCV):

The primary difference between Actual Cash Value (ACV) and Replacement Cost Value (RCV) in insurance policies is how depreciation is handled when paying out a claim. ACV pays the depreciated (lower) value of your old roof. You will be responsible for the difference to in cost to replace it with a new one.  RCV pays to replace the roof with a new one of similar kind and quality. As a policy holder, you may receive the ACV initially from the insurance company, with the remainder paid after you complete the replacement and submit receipts.  Older roofs are more likely to be depreciated, which can impact the payout. Some policies may offer limited or no coverage for roofs over 20 years old. 

In either case, you will have to pay your deductible before your insurance coverage begins. Some policies have a separate, higher deductible specifically for wind and hail damage or neglect.

Common covered causes include:

• Wind or storm damage (i.e. shingles blown off, debris impact)
• Hail damage (cracked or dented shingles)
• Fire
• Falling objects (like tree branches)
• Weight of snow or ice causing structural damage

In these cases, your homeowners insurance will typically cover repair or full replacement, minus your deductible.

When It’s Not Covered

Insurance won’t cover damage from:

• Wear and tear or age-related deterioration
• Lack of maintenance (leaks, moss, or missing shingles left unrepaired)
• Improper installation or construction defects
• Gradual damage like rot or mold

If the adjuster determines your roof was already old or poorly maintained, your claim will likely be denied.

How to File a Roof Claim

1. Document the damage (photos, dates, storm reports).
2. Contact your insurance company to file a claim.
3. Schedule an adjuster inspection.
4. Get estimates from a licensed roofing contractors such as Pro Roofers of Conroe
5. Review your settlement before signing off on repairs.

Even if your roof is old, storm-related damage may still qualify for coverage. Having before-and-after photos or maintenance records will strengthen your case.