Insurance companies typically do not cover the cost of replacing your roof due to normal wear and tear because it is considered a part of regular home maintenance.
Insurance policies are designed to cover damage caused by sudden and unexpected events, such as a storm or fire.
However, if your roof damage was caused by a covered peril, such as a fallen tree or windstorm, then your insurance company may cover the cost of repairs or replacement.
Contact your insurance agent to verify the extent of your coverages.
