How Can I Get Homeowners Insurance To Pay For A New Roof? 
Typically there is going to have to be a claim in order to have a roof repaired or replaced . In most states the roof is covered on a replacement cost basis , however , many states are moving to an ACV , or actual cash value , approach to paying roof claims due to the high number of fraudulent claims arising from hail damage . You need to check with your agent about your policy to see if you have the replacement option with special coverage as the reason for loss . Then a claims adjuster will need to determine what was the cause of the damage . They will also determine if the roof is repairable with like kind and quality replacement shingles . As with almost every part of insurance wear and tear is excluded . Maintenance and replacement are the homeowners responsibility . Insurance is for unexpected losses . 