Home insurance policies usually cover roof damage caused by fire, vandalism and “acts of God,” such as hurricanes and tornadoes. Whether they will pay for damage caused by wind, rain or hail is determined by your policy and the age of your roof.
For instance, if your roof is less than 10 years old, your insurer will likely cover the replacement in full. An insurer may not reimburse you if you have an older roof (especially one that is more than 20 years old) or the company might only pay what it deems the roof is worth after years of wear and tear.
A leaky roof may be covered, but insurance companies believe homeowners should prevent leaks and subsequent damage. It’s up to the homeowner to take the necessary precautions to maintain the property. If a leaky roof isn't fixed properly, an insurer might not cover damage.
Whether you’re reimbursed partially, fully or not at all depends on your policy, so check with your insurance company if you experience any damage.
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