Does Home Insurance Cover Roof Shingles? 
The best answer to this question : `` It depends . '' First , you have to determine the age of your roof . If it is going on 20 + years then you are going to face an uphill battle . The reason for this is if a roof is done well , then you can probably expect 15-20 years out of it . If it is 20 + years then most insurance companies are going to argue that the cause of loss is `` wear and tear , '' which is universally not going to be covered -LRB- that is more of a warranty issue -RRB- . Second , if your roof is newer , you have to then look at the cause of loss and the type of Homeowners form you have . If it is a HO-3 , then everything is covered unless it is excluded . What this means is it is a special form and all losses are covered unless there is a specific exclusion in your policy . If you have an HO-2 or HO-1 you will have less coverage because the causes of loss are specified in the policy . So , if your shingle was somewhat new and it was damaged due to a reason listed in your policy you will have coverage . 