Does Home Insurance Cover Roof Shingles? 
A general rule of thumb is that Homeowners ' Insurance Policy is not a maintenance agreement . So if you are asking if you can have your insurance pay to replace your roof due to age or wear and tear , the answer is going to be no . However , talk to your Insurance Professional about the specific terms and conditions of your policy . Discuss the covered perils as they relate to damage that your roof may have sustained . For example , wind , hail , weight of ice and snow are all usually covered perils in a Homeowners policy . Therefore , if your roof was damaged as a result of these or any other perils named in your policy , then you will find that there is coverage . The settlement will , of course , be subject to your property deductible . 