Does Home Insurance Cover Roof? 
Unless you have a roof exclusion on your homeowners policy a roof is covered for the perils of the policy . Perils would include fire , wind , hail , weight of snow , lightning , falling objects , vandalism and potential water damage if caused by a bursting pipe . The homeowners insurance policy does not cover normal wear and tear . Also wind in some areas may have an exclusion or a separate deductible . 