Does Homeowners Insurance Cover Roof Replacement Cost?

will homeowners insurance pay for a new roof

If you’re wondering, will homeowners insurance pay for a new roof? The answer depends on the circumstances. Homeowners insurance only covers a roof replacement in certain situations. Investopedia explains that you’re covered if, ‘the damage or destruction results from a sudden accident or act of nature.’ However, if the roof problems are caused by ‘general wear and tear’, the homeowner is responsible for covering the payment. 

The coverage will often depend on how old a roof is. For example, if a roof is more than 20 years old, your coverage will likely be limited. According to Forbes Advisor,‘ Your insurer may cover the cost to replace the entire roof even if it’s only partially damaged’. For example, if a homeowner has asphalt shingles damaged by hail strikes.’  In an incident like this, an insurer may decide that the roof lifespan was shortened.

How to approach a roof insurance claim?

To make sure that your claim is approved it’s a good idea to keep records of all your roofing repairs. Take photographs before and after the damage. Find any reports from previous roof inspections. As soon as your roof is damaged, you should contact your insurance company right away.

It’s worth noting that your insurance may depend on the type of roof you have. For instance, some companies charge more for homeowners with a wooden shingle roof. If your roof is metal, it can be difficult to claim for damage caused by hailstones. Insurance companies will replace your roof with the same material, or with a roof of equal cash value.

How can I maintain my home roof?

Since homeowners insurance does not cover all circumstances of roof replacement, you’ll need to maintain your roof. To take good care of your roof, here are a few pointers:

  • Check the coating off your roof, removing debris and loose materials.
  • Inspect your roof for cracked or curling shingles.
  • Inspect the roof drainage system, and remove any blockages.
  • Clean your gutters, (any blockages could cause water damage to your roof).

If your roof is old, there may not be much you can do in the way of maintenance. To fix your roof, it’s best to contact professional roofing contractors.

How can Western Pacific Roofing help?

Western Pacific Roofing is a premier roofing company, with years of experience and expertise. If you need a roofing replacement or a roof inspection, Western Pacific can help. Expect affordable prices and fantastic service, Western Pacific has a great reputation in the Oregon & Washington area.

There are many benefits of choosing Western Pacific Roofing for Roof Replacement Services including:

  • Experts in both commercial and residential roofing.
  • Unmatched customer service.
  • Western Pacific will complete your roofing project fast.
  • Knowledge of all types of roofing materials, with plenty of expert advice to offer.
  • Offers a free estimate.

When you notice issues with your roofing, it’s important to get these sorted right away

Let Western Pacific Roofing take care of all your roofing issues, at a great price. You can call and get in touch with us at (503) 659-7663.

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Western Pacific Roofing

COVID-19 Update:

We recognize that these are challenging times, filled with a high degree of uncertainty. In response, we wanted to let you know we have taken the steps to ensure the ability to inspect your roof, complete an estimate, and do our job while protecting you and our employees! In an effort to continue providing exceptional service for our customers we are still maintaining regular office hours as we have been deemed an essential business. Call by appointment only at this time.

Our main goal is to ensure the health of our customers, team and community members by following the Center for Disease Control (CDC) as well as our local health agency’s advice. In addition to the CDC guidelines, our team is taking the following precautions to prevent the spread of COVID-19:

  • Implementing a “No-Handshake Policy” for all staff. Our team encourages customers to follow suit and maintain social distancing.
  • Cleaning and disinfectant products are readily available to all team members.
  • To keep up to date on news and resources, you can visit


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