Will Insurance Cover Your New Roof?

Roof Insurance

As a homeowner, your roof is always going to be one of your biggest expenses. And while most roofs last about 20 years, there are many factors that can affect your roof’s actual lifespan. If you stay in the same home long enough, eventually you’re going to need roof work done, whether it’s roof repair or replacement. The question of whether insurance will cover your new roof, however, depends solely on your homeowners insurance policy. 

What You Need to Know About Insurance & Roofing 

Most policies will cover a new roof for your home if the damage is caused by an act of nature, like a hailstorm or hurricane. The problems start when homeowners assume an old or neglected roof will be covered. It won’t be. That’s because general roof maintenance is your responsibility as a homeowner, and your insurance company won’t help you get a new roof just because you need one. After all, some things are just part of being a homeowner. 

If your new roof is covered under your insurance policy, that’s great! But you should keep in mind that you’ll still have to pay your deductible first, however much it is (and no, your roofer can’t “waive” your insurance deductible — that’s illegal). Some deductibles cost thousands of dollars, so you should plan ahead for it and be prepared. Many homeowners choose to have a sinking fund for future costs, like a new roof, so they have the money waiting for them when they need it. 

How Do You Know You Need a New Roof?

Unless your shingles are falling off or your roof is leaking, it’s easy to forget about your roof. But when you live in a state like ours, it’s important to do regular inspections because the heat, humidity, and thunderstorms can cause a lot of damage. The last thing you want to do is discover a roof problem in the middle of a storm. 

Here are a few clear signs you can look for to see if it’s time for a new roof:


  • Loose
  • Missing
  • Cracked
  • Curling


  • Clogging
  • Overflowing
  • Falling 


  • Leaking, or the appearance of a leak
  • Dampness 
  • Mold 

Preventative maintenance goes a long way for homeowners, so the sooner you take care of your small roof problems, the better off you’ll be. 

Choose a Reliable Roofer in St. Augustine

At HW Roofing, we know how stressful it can be when you need a new roof for your home. That’s why we strive to make the process as easy as possible for you. Not only do we work with insurance companies, but we also offer financing options that make it possible for you to get the roof work you need, when you need it. 

Hurricane season is coming up quickly, and your home and family deserves to be protected. Contact us today to schedule a free inspection. Our roofing company is proud to serve homeowners in St. Augustine and the nearby areas, including Jacksonville, Ponte Vedra, Nocatee, and other communities in Northeast FL.