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Most homeowners policies provide coverage when your roof is damaged by a sudden, unexpected event. These situations often include:

• Hail impact
• Wind tearing off shingles
• A fallen tree limb or other storm‑related debris

If the damage is clearly tied to a specific incident, there’s a good chance it falls within standard policy protections.

What Might Not Be Covered

Insurance policies are designed to cover accidental loss — not deterioration over time. Roof damage caused by:

• Wear‑and‑tear
• Curling, cracking, or aging shingles
• Lack of maintenance

…is typically not covered. If a roof is already nearing the end of its life, storm damage may be considered a maintenance issue rather than a covered loss.

Replacement Cost vs. Actual Cash Value (ACV)

Not all roof settlements are calculated the same way. Your policy may provide:

• Replacement Cost Coverage: Pays to replace the roof with materials of similar kind and quality, without deducting for depreciation.
• Actual Cash Value (ACV): Pays the depreciated value, meaning older roofs or those in poor condition will receive a reduced payout.

Because roof coverage varies widely, reviewing your policy — or asking your agent for clarification — helps ensure you understand what to expect.

Takeaway: Be Prepared Before the Storm

A quick annual roof inspection, paired with a clear understanding of your policy’s settlement method, can help you avoid surprises and stay prepared long before severe weather hits. Proactive maintenance and policy awareness are two of the most effective ways to protect your home and your peace of mind.