Home / Storm-damaged roof / Questions

Does homeowners insurance cover storm damage to a roof?

Short answer

Wind and hail damage is often covered, minus your deductible. Damage from age or wear usually isn’t. Read your policy.

Rules differ by state. This is general information, not legal or professional advice.

See every step in 1 minuteA storm or hail damaged your roof: what to do first
Watch nowRead the guide

People also ask

How long do I have to file a roof damage claim?›Will my insurance rates go up after a storm claim?›How do I know if my roof has hail damage?›What is a storm chaser roofer?›Should I sign over my insurance benefits to a roofer?›What is recoverable depreciation?›How much does it cost to tarp a roof?›

See all questions (8) ›

Official sources