It can, as long as you are properly insured and your roof was damaged by an insurable loss like hail or wind. It is important to review your policy with regards to wind and hail damage deductibles for your home. Many insurance carriers have higher deductibles for roof damage from wind and hail. Some insurance companies are as high as 3% of the property value.
If your home has a replacement value of $500,000 and you have a 3 % deductible for wind and hail your responsible for the 1st $15,000.00 of the roof replacement before insurance kicks in.
Additionally it’s critical to have a reputable roofer inspect your roof prior to filing an insurance claim to prevent filing a claim when there is no damage which could have an impact on future rates and insurability. If your roof is just old and not damaged by wind or hail, filing a claim could result in being cancelled or have to replace your roof to maintain existing coverage. Many homeowners are told by door to door roofing sales people they have damage and to file a claim when there is no damage. You should avoid letting door to door roofing inspectors sales people on your roof. Please do some research, get referrals and call a reputable roofing contractor. Check the Colorado Roofing Association website www.coloradoroofing.org for a list of reputable local contractors.