Does Home Insurance Cover The Roof?

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   Mark Bartlett CLCS

   Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers

   Unless the roof was excluded from your original homeowners policy which is rare. (Possibly from poor conditions when the insurance policy was first obtained). A roof is covered for certain perils of a homeowners policy. If you carry special form you would be covered for Fire, wind, hail, falling objects, smoke, vandalism. The roof would not be covered for normal wear and tear which is the responsibility of the homeowner to maintain and upkeep. Specific details of a potential loss should be discussed with your agent as they would be familiar with your policy and specific coverage's.

   Answered on May 1, 2013

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