In most cases you will be covered for a new roof or repairs done on your existing roof through your homeowner’s insurance. It will cover all the necessary fixes to get your roof back into good condition. However, if your roof is older than the warranty and requires extensive maintenance to repair, standard homeowner’s insurance may not reimburse your roof replacement. It is best to check with your insurance company to discuss the details of your specific case and how it is affected by the policy you have.