Does my homeowner's insurance cover my roof?

Great question — sometimes yes, sometimes no. Whether your homeowner’s insurance covers your roof depends on:

✅ When Insurance Usually Covers Roof Damage:

• Sudden and accidental events, like:

  • Storm damage (hail, wind, fallen trees)

  • Fire

  • Vandalism

In these cases, your insurance will likely pay for repairs or replacement — as long as the damage wasn’t due to neglect.

❌ When Insurance Usually Doesn’t Cover It:

• Wear and tear from age

• Lack of maintenance

• Improper installation or materials

• Cosmetic damage (e.g., minor discoloration or minor hail dents without leaks)

  
  

  

  
  

CHICAGO'S BEST ROOFING COMPANY

🕵️‍♂️ Key Things to Check in Your Policy:

• Replacement Cost vs. Actual Cash Value:

  • Replacement Cost = Full cost to replace the roof.

  • Actual Cash Value = Depreciated value (you may get much less).

• Roof age clauses: Some policies reduce or deny coverage if your roof is over 15–20 years old.

• Hail or Windstorm exclusions: These are sometimes carved out in high-risk areas unless you pay extra.

If you’re not sure, I can help you interpret your policy language or even draft a message for your insurance company to clarify coverage. Just let us know! We have licensed public adjusters on baord that can answer all your questions.