Your home’s roof is one of its most critical components, serving as a protective shield against the elements. However, even the most well-constructed roofs can succumb to damage from severe weather events, wear and tear, or unforeseen accidents. The question many homeowners face when their roof needs replacement is whether their homeowner’s insurance will cover the cost. In this blog, we’ll explore the factors that influence whether your homeowner’s insurance will pay for your new roof, and we’ll provide valuable insights from EEC Windows, Siding & Roofing, a trusted home improvement company in Kansas City, MO.

Understanding Homeowner’s Insurance and Roof Coverage

Homeowner’s insurance is designed to provide financial protection for your home and belongings in the event of damage or loss due to various causes, including natural disasters, accidents, and theft. Roof coverage is a crucial component of homeowner’s insurance policies, but the extent of that coverage can vary based on several factors.

Here are some key factors that influence whether your homeowner’s insurance will pay for your new roof:

Cause of Damage
The primary factor that determines whether your homeowner’s insurance will cover a new roof is the cause of the damage. Most policies provide coverage for sudden and accidental damage to your roof. This includes damage caused by:

Falling trees or branches
Insurance typically doesn’t cover routine wear and tear, lack of maintenance, or pre-existing damage. If your roof has reached the end of its lifespan and is in need of replacement due to normal aging, insurance may not cover the cost.

Age of the Roof
The age of your roof is another critical factor. Many insurance companies consider the age of the roof when determining coverage. If your roof is relatively new and sustains covered damage, it’s more likely to be fully covered. However, as your roof ages, the coverage may decrease, and the insurance company may only pay a portion of the cost based on a depreciated value.

Type of Policy
The type of homeowner’s insurance policy you have can significantly impact roof coverage. There are two primary types of homeowner’s insurance policies:

Actual Cash Value (ACV): ACV policies typically factor in depreciation, meaning you’ll receive a payout based on the current market value of your roof. These policies tend to offer lower coverage for older roofs.

Replacement Cost Value (RCV): RCV policies do not consider depreciation and typically provide coverage based on the cost of replacing your roof with materials of similar quality. RCV policies often offer more comprehensive coverage.

It’s essential to review your policy to understand which type you have and how it affects your roof coverage.

Every homeowner’s insurance policy has a deductible, which is the amount you must pay out of pocket before the insurance coverage kicks in. The size of your deductible can impact whether it’s financially practical to file a claim for roof damage. If the cost of repairing or replacing your roof is close to or less than your deductible, it may not be worth making a claim.

Local Climate and Weather Conditions
Your geographic location can also play a role in whether your homeowner’s insurance covers roof damage. Areas prone to severe weather events such as hurricanes, tornadoes, or frequent hailstorms may have different insurance considerations and coverage requirements. Insurance companies in these regions may have specific rules and provisions related to roof coverage.

Navigating the Claims Process

If you believe your roof damage is covered by your homeowner’s insurance, it’s essential to navigate the claims process carefully. Here are some steps to follow:

Document the Damage: Take clear and detailed photographs of the damage to your roof. Make notes of when and how the damage occurred.

Review Your Policy: Carefully review your homeowner’s insurance policy to understand the terms, conditions, and any specific requirements related to roof claims.

Contact Your Insurance Company: Notify your insurance company about the damage and initiate the claims process. Provide them with the necessary documentation, photographs, and any requested information.

Schedule an Inspection: The insurance company may send an adjuster to assess the damage and determine the extent of the coverage. Be present during this inspection to ensure an accurate evaluation.

Get Multiple Quotes: It’s a good practice to obtain multiple quotes for the repair or replacement of your roof. This can help you negotiate with the insurance company and ensure that you receive a fair settlement.

Be Patient and Persistent: The claims process can sometimes be lengthy and may require some back-and-forth communication with your insurance company. Be patient and persistent in pursuing the coverage you believe you are entitled to.

How EEC Windows, Siding & Roofing Can Assist

EEC Windows, Siding & Roofing, based in Kansas City, MO, is a trusted home improvement company that specializes in roofing services. They can provide valuable assistance when it comes to roof damage, insurance claims, and roof replacement. Here’s how EEC can help:

Professional Inspection: EEC offers professional roof inspections to assess the extent of damage and provide documentation that you can use during the claims process.

Expert Guidance: Their experienced team can guide you through the claims process, helping you understand your policy, negotiate with your insurance company, and ensure that you receive fair compensation.

Quality Roofing Solutions: If your insurance claim is approved, EEC can provide high-quality roofing solutions using durable materials and expert craftsmanship.

Customized Options: EEC offers a range of roofing materials and styles to suit your preferences and budget, ensuring that your new roof meets your specific needs.


Whether your homeowner’s insurance will pay for your new roof depends on several factors, including the cause of damage, the age of your roof, the type of policy you have, your deductible, and your local climate. It’s important to understand your policy and document damage carefully if you believe you have a valid claim.

EEC Windows, Siding & Roofing in Kansas City, MO, can be your trusted partner in navigating the complex world of insurance claims and roof replacement. With their professional guidance and high-quality roofing solutions, you can ensure that your home is protected from the elements and that you receive the compensation you deserve. Don’t let roof damage disrupt your peace of mind—contact EEC today for expert assistance and exceptional roofing services.