Roofs and Homeowners Insurance: What's Covered?

Roof damage is one of the most common homeowners insurance claims.  What is covered by your policy and what isn't?
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Generally, it depends on the source of the damage. Most insurance companies provide coverage for sudden and unexpected occurrences like the following:

•  Storms: Your insurance covers damage caused by storms including hail  damage, roof leaks, and missing shingles.
• Natural disasters: Not all policies cover all-natural disasters, so check with your insurance company and pick the right one(s) for your needs.
• Falling objects: Roof damage caused by falling objects, like trees, is covered.
• Fires: Insurance covers damage caused by a fire, even if it’s caused by a natural disaster not covered by your policy.

What is NOT covered by your policy?

Roof damage that is the result of wear and tear or lack of maintenance is not usually covered by your policy.    You're expected to take care of periodic roof maintenance to prevent damage from occurring over time.

For example, the seal around flashing should be maintained.  If the seal is compromised, it can cause your roof to leak and create significant damage over time.
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A number of other factors like the age of a roof impacts the extent of your policy's coverage, so work with your insurance agent to clearly understand how your policy handles roof damage.