Does My Home Insurance Cover a New Roof?

Your roof is your home’s first line of defense against the elements. But what happens when that defense needs defending itself? Does homeowners insurance cover a new roof for your Saint Peters home?

The answer, like many things in insurance, depends on the specifics of your situation. This guide will explore what types of roof damage are typically covered under all-peril homeowners insurance policies, delve into common issues like leaks, and clarify what situations might leave you footing the bill for a new roof.

saint peters modern home construction

What Does Homeowners Insurance Cover for Your Roof?

Most all-peril homeowners insurance policies cover damage to your roof caused by sudden and accidental events. Here are some common covered scenarios:

  • Storm Damage: Hail, wind, or debris from a storm can wreak havoc on your roof.
  • Fire Damage: If a fire damages your roof, your insurance should cover the repairs or replacement.
  • Weight of Ice or Snow: Excessive ice or snow accumulation can cause your roof to collapse. Coverage typically applies in these situations.
  • Trees or Limbs Falling on the House: If a tree or limb falls on your roof, your insurance should cover repairs or replacement of the damaged roof section.
Shocked Woman Calling Plumber While Collecting Water Leaking From Ceiling

Leaks and Your Insurance Coverage:

Leaks can be a real headache, and their source can determine if your insurance helps.

  • Sudden and Accidental Leaks: If a covered event like a storm causes a leak, your insurance should cover repairs.
  • Gradual Deterioration: Leaks due to worn-out shingles or faulty flashing are generally considered wear and tear, typically not covered by insurance.

Leak damage can extend beyond the roof itself. Your insurance might also cover repairs to your Saint Peters home’s siding and other exterior or interior elements affected by the leak.

What’s Not Covered by Homeowners Insurance for Your Roof?

While insurance protects against many threats, there are situations where you might be responsible for roof repairs or replacements:

  • Normal Wear and Tear: As your roof ages, shingles deteriorate, and leaks can develop. Regular maintenance is crucial, and neglecting your roof can void coverage.
  • Lack of Maintenance: Ignoring minor repairs or failing to address known issues can exclude coverage for subsequent damage.
  • Faulty Installation: If your roof leaks due to faulty installation (not related to a covered event), your insurance likely won’t cover repairs.

Will Home Insurance Pay for a New Roof?

While repairs are often prioritized, homeowner’s insurance may cover replacing your roof if structural damage results from a covered peril like a storm. However, you’ll want to consider policy limits, deductibles, and in some cases depreciation (especially for older roofs) that can affect the final payout. Always consult your broker or agent in Saint Peters for specific coverage details.

insurance protecting family

How to File a Claim for Roof Damage

If the roof on your Saint Peters home sustains damage, here’s what to do:

  • Document the Damage: Take photos and videos of the damage before making any repairs.
  • Contact Your Insurance Company: Report the damage promptly to your broker or agent and follow their claim filing procedures.
  • Get Estimates: Obtain estimates from qualified roofers for repairs or replacement.

Keeping Your Roof Protected

  • Regular Inspections: Schedule regular roof inspections to identify and address minor problems before they become major issues.
  • Preventative Maintenance: Perform basic roof maintenance tasks like clearing debris and checking for loose shingles.
  • Understand Your Policy: Review your homeowner’s insurance policy to understand your specific roof coverage details.

Remember: This blog is for informational purposes only. Always consult your broker or agent on specific coverage details.

By understanding what your homeowners insurance covers and taking proactive steps to maintain your roof, you can ensure your home is well-protected against unexpected roofing woes. If you own a home and cars in Saint Peters, MO, consider filling out our form below to start protecting your home and auto today!

Sherry BermanSherry Berman
17:55 08 Dec 22
We just moved over to e3 with Chris Stone, 1 1/2 years ago. Our house flooded during snowmeggedon in Texas last February. The insurance companies were overwhelmed with phone calls from Texas. Our insurance company was not responding to us on a timely basis, and because of the supply chain shortage, we knew we needed to act quickly. Chris knew who to talk to at our insurance company, and was a total advocate for us and made sure that our needs were being taken care of. Our last insurance agent was the advocate for the insurance company, not us. Chris knows the business inside out. He guided us along the process of what to do. e3 represents many different insurance companies, which gives Chris the ability to guide you into the best policy that meets your needs. He explains the insurance lingo in layman terms, and makes sure that you and your family are protected. My husband and I totally trust Chris to give us the best policy with in our budget.
Andy BermanAndy Berman
21:56 07 Dec 22
e3 Insurance and Chris Stone are simply the best!! After experiencing a flood in our house and a total redo necessary, Chris made the experience completely seamless!! There simply is no one better!!
Alex ThipkhosithkunAlex Thipkhosithkun
19:32 03 Nov 22
I can't say enough good things about Chris at e3 Insurance. He really is an expert in his field and was really helpful and thoughtful through my home and car insurance purchasing experience. But it doesn't stop there. Recently, I was facing a relatively stressful plumbing situation with my newly purchased house and after talking to Chris and putting me in contact with the right people, they had someone come out THAT afternoon-- Amazing!
Austin SandozAustin Sandoz
14:45 06 Oct 22
Chris was a client of mine for a long time. When I reached out to get a quote I was blown away. I found out my brand-new 2022 Jeep was severely underinsured and I had little to no protection for my assets.After comparing my old policy side by side with my new policy he was able to quadruple my coverage and protect my assets for LESS than what I was paying before. When it's done right, it's done right.
Sheryl KlousiaSheryl Klousia
14:29 06 Mar 22
Chris has been extremely helpful in finding us great policies for house and car insurance. He reviews our policy yearly to ensure we are getting the best rate and best coverage… and recommends changing when needed. We are very satisfied with his service… he has saved us so much over the 3 years that we have been with him ! So glad we found him. Our kids all use his services also !
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