How Can I Get Homeowners Insurance To Pay For A New Roof? 
Keep in mind that your homeowners policy is not a maintenance policy . Similar to your auto insurance not providing coverage for new tires or new brakes , your homeowners insurance policy will not pay for a new roof if the roof is worn out and has just deteriorated over time . The life of a typical composition shingle roof is anywhere from 20 - 30 years and needs to be replaced if it is falling apart due to wear and tear . This is very different from a claim scenario where your roof sustains sudden and accidental damage from a storm -LRB- i.e. wind or hail -RRB- . If this is the case , your roof can be covered under your homeowners insurance and depending on the extent of the damage could potentially be covered for replacement . Everyone should consult their agent to check the language of the policy and weigh all options because when you submit a claim it is normal for your rates to go up because of a loss of discount and / or a rating surcharge . -- @MooneyInsurance 