How old is your roof?
Insurance companies will not provide roof replacements that are nearing the end of their expected lifespan, and may only cover part of the expense for a roof older than 10 years old. Every insurance policy and company is different.
In previous roof repairs, if you have placed new shingles over old, the insurance policy may not cover it, as most insurers won’t insure a roof with more than two layers of roofing material.
Repair vs. full replacement: In some cases, homeowner’s insurance will cover only roof repairs but not a complete replacement. Typically, insurance covers repairs, such as shingles missing after a storm.