Will Homeowners Insurance Cover Roof Damage? 
If the roof damage is caused by a covered loss , then the roof damage typically would be covered minus your deductible . Most insurance carriers are writing homeowners policies with a percentage deductible for roof damage now . This percentage is a percent of the total dwelling amount covered under the policy . Please read your policy completely to understand the coverage offered and any exclusions it may have or contact your local agent to have them go over the policy with you . 