To get roofing insurance, you need to contact your homeowners insurance agent and ask about roof coverage, provide details about your roof’s age and condition, and get a quote for your home. Most homeowners insurance policies include some roof damage coverage, but the amount depends on your plan and your roof’s condition. According to the Insurance Information Institute, hail damage cost U.S. homeowners $160 billion in reconstruction cost value in 2024, making roof coverage very important. Let’s look at how to get the right roofing insurance for your home.
What Does Roofing Insurance Cover?
Roofing insurance covers damage from storms, hail, wind, and fire. It does not cover damage from poor care or old age. According to industry data, in 2024, State Farm paid over $3.8 billion in home repairs for hail damage claims. Your policy will pay to fix or replace the damaged part of your roof.
Most policies have a deductible. This is the amount you pay before insurance helps. Higher deductibles mean lower monthly payments but more money out of your pocket when you need repairs.
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How Old Can Your Roof Be?
Insurance companies care about roof age. Most will cover roofs that are 20 to 30 years old. According to RubyHome, the average age of roofs being replaced is just over 19 years.
Very old roofs may not get full coverage. If your roof is older than 25 years, tell your agent. Some companies will not insure roofs over 40 years old.
Steps to Get Roofing Insurance
First, call your current homeowners insurance agent or find a new one. Tell them about your home and roof. Give them the roof type, age, and any recent repairs or damage.
Second, they will ask you questions about your roof’s condition. According to This Old House, 31% of homeowners pursued roof renovation, repair, or maintenance in the last 3 years. The agent may send someone to inspect your roof in person.
Third, get a quote for your coverage. Compare prices from 2 to 3 different companies. Ask about discounts for new roofs, storm-resistant materials, or bundled policies.
Roof Types and Insurance Costs
| Roof Type | Typical Lifespan | Insurance Impact |
|---|---|---|
| Asphalt shingles | 20-30 years | Most common, lower cost |
| Metal roofing | 40-80 years | May get discounts |
| Concrete tiles | 100+ years | May get discounts |
| Slate tiles | 60-150 years | Best rates, premium cost |
According to RubyHome, 33% of homeowners need roof replacement due to leaking, and 33% due to storm damage. Both types may be covered by insurance if you have the right policy. Make sure your roof coverage matches your roof type and age to avoid problems when you file a claim.
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Work with a professional professional roofer to protect your property with quality roofing solutions.