This answer could go either way; it really depends on your homeowner’s insurance. Most insurance companies will cover replacing your roof if the damage was caused by something out of your control, such as hail, storm damage, falling objects, or fire. If you submit a claim, you might get a new slightly higher rate, or your rate might decrease because you are taking steps to make your home safer. If you have questions about your insurance rate, the best person to contact is your insurance agent.