This may vary based upon your specific policy. Generally, homeowner’s policies will detail specific circumstances where they will cover a roof leak. They may not cover a roof replacement over a leak, but they may pay for a repair of interior damage caused by the leak. We can help you navigate the process of working with your insurance to get the best result possible.

As mentioned previously, every homeowner’s policy may vary some so the best way to know for sure is to contact your insurance company. In general, homeowner’s policies cover roof replacement, no matter the age of your roof, if the damage is considered an “act of nature.” If your roof is old and fails, policies will not cover the replacement because of a clause related to general maintenance responsibility of the homeowner. We are happy to help you navigate your claim with insurance to achieve the best outcome.