The short answer here is, that it depends on the circumstance. To elaborate, a home insurance policy covers damage to things like your structure and roof if it is damaged by a covered peril. Some policies will name or exclude specific perils. If your roof needs replacement due to unexpected acts of nature or severe weather other than flooding, it is likely covered. But if your roof is older or requires maintenance and repair, standard homeowners insurance typically will not issue a reimbursement.  Roofs are considered to be the frontline of defense when it comes to keeping your home and its contents safe. This is because they are built to withstand the elements, including sun, wind, freezing temperatures, hail, rain, and more. However, a roof — no matter how well it is built — weakens over time, making it more susceptible to damage. An insurance company could decline coverage if the roof is older or lacks maintenance. In the eye of an insurance company, there are two main types of roof damage: damage from a covered loss or standard wear and tear. So, if your roof has a leak or damage due to covered losses the insurance company will usually step in to pay for the repair or replacement up to your coverage limits. But, If there is a leak that is not associated with peril an insurance company will likely not cover the cost to repair the damage or replace the roof. That is why it is important to keep your roof well maintained — a failing roof can be expensive and most likely will not be covered by home insurance. The bottom line is that a roof repair or replacement may be one of the most expensive aspects you may deal with as a homeowner. Your home insurance is there to pay for roof-related damages, but only for covered perils such as damages from severe weather, falling objects, or fire. Your homeowner's insurance does not typically cover damages or leaks caused because an older or poorly maintained roof is failing. A roof in good condition is more likely to withstand the harsh elements and any unexpected events. That is why it is important to stay on top of maintenance to avoid a more significant problem down the road. Let our experienced roofing professionals help you determine the state of your roof, identify any repairs necessary, and help you get the most out of your roof. Make EAS Roofing your first call for any Storm Restoration projects!