Will Home Insurance Cover A New Roof? 
A homeowners policy covers damage caused by a covered peril . The loss to a roof is covered when it is the result of a fire , for example . It is not covered if it is the result of age and deterioration as those arent covered perils . When a roof is adjusted for a damage loss , many companies treat a roof on a cash value basis . This is because the life of the roof is shorter than the life of the remainder of the building . So if a roof is half way through its life and suffers a covered loss , it is likely to be covered to 50 % of the cost of replacing the roof . 