Does Homeowners Insurance Cover Roof Damage?

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   Jack Heller

   Owner, Insurance Browser,

   Yes typically it is covered and covered on a replacement cost basis. Due to the frequency of major hail and windstorms in several states, we are seeing several companies offer only Actual cash value for older  rooftops. So be sure you understand what your coverage is and how it will respond to a hail or windstorm ( tornado or hurricane). In some state per cent deductibles have been in use for decades such as in Texas. However much of the country has dollar amount deductibles. Also be aware that coverage is not automatically available in the voluntary market in all areas of coastal states So if you live in the fourteen counties in Texas along the Gulf or in Florida every where, you may have to obtain wind and hail coverage through a residual market mechanism such as the Texas Wind Insurance Association or Citizens Property Insurance in FL . A local agent in any coastal state should be a good starting point to understand what is available and where in your part of the country.

   Answered on December 18, 2013

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