Yes and no. Roofs are covered by insurance like anything else on or in your home, but with some exceptions. If it's affected by wind damage, hail damage, or that tree limb that fell on your roof in a recent thunderstorm, insurance will likely cover it. If it's natural wear and tear, your possibilities are slim to any of getting insurance to cover the cost of replacement. It’s safe to bet if your roof is older than 20 years, insurance coverage won't be available in many policies.