Does Home Insurance Cover The Roof? 
Unless the roof was excluded from your originalhomeownerspolicy which is rare . -LRB- Possiblyfrom poor conditions when the insurance policy was first obtained -RRB- . A roof is covered for certain perils of a homeowners policy . If you carry special form you would be covered for Fire , wind , hail , falling objects , smoke , vandalism . The roof would not be covered for normal wear and tear which is the responsibility of the homeowner to maintain and upkeep . Specific details of a potential loss should be discussed with your agent as they would befamiliarwith your policy and specificcoverage 's . 