Will Home Insurance Replace Roof? 
Assuming you have a standard HO3 policy form the easy answer is yes -- roofs are a covered structure . However you also have to look at why the roof is damaged . If it is general wear/tear or age then that is generally excluded . If it is from a covered peril -LRB- fire , lightening , hail , etc. -RRB- then it is safe to say it should be covered . As always you should always consult your agent that can review your policy . - Jared 