Your roof serves as a vital shield for your home, protecting it from heat, rain, and hail. However, an older or damaged roof may not protect your dwelling as effectively as a roof in good condition. A severe storm could more easily destroy a compromised roof, leaving your home vulnerable. Insurance companies evaluate your roof’s condition when issuing new policies and setting premiums, given roof quality variations. An old, damaged, or poorly maintained roof can make it difficult to find affordable home insurance.

Here’s how to find homeowners insurance coverage if your roof is in poor condition.

a damaged roof with broken shingles and visible wear

Can You Get Insurance With A Damaged Roof?

Yes, you can still buy homeowners insurance with a damaged roof. However, it can be more challenging to find an insurance company willing to issue a policy. Your roof is meant to protect your home from various perils, but a bad roof might fail in this role and contribute to further damage, such as water leaks. As a result, you will likely pay more for coverage if your roof is in poor condition.

If an insurance company agrees to provide homeowners coverage despite your bad roof, they might offer limited roof coverage. For instance, with a replacement cost value policy, a 15-year-old roof may only be covered for its actual cash value if further damage occurs.

If your roof needs replacing urgently, insurers usually expect you to cover part of the financial burden.

damaged roof inspected by an insurance agent

How To Get Homeowners Insurance With A Damaged Roof

While finding home insurance with a bad roof can be challenging, securing homeowners insurance coverage is essential. Follow these tips to get a policy that fits your needs and budget effectively.

  • Get the roof inspected before starting your policy search. This gives a clear idea of your roof’s condition and potential replacement costs. Insurance companies usually require your home, especially the roof, to pass an inspection before issuing a policy.

  • Comparing quotes is crucial when shopping for homeowners insurance. By getting quotes from multiple companies, you ensure you find the best coverage at the best price. This approach allows you to make an informed choice and select the most suitable insurance for your needs. Always take the time to compare before making your final decision.

  • Negotiate your rate effectively. Whether dealing with an insurance agent or directly with the insurer, you can negotiate your rate down to fit your budget better. Inquire about potential discounts you might qualify for, consider bundling different coverage options, or adjust your coverage limits to find a more affordable solution.

  • Consider making roof repairs. Although it involves an up-front cost, it can simplify shopping for home insurance. Additionally, repairs might save you money on premiums.

  • Consider working with a high-risk insurer for your home insurance needs. Some companies specialize in covering homeowners who face challenges purchasing a policy due to personal or environmental factors. While high-risk insurance policies often come with higher premiums, they can secure coverage for homes with bad roofs or other risk factors. This option ensures you have the necessary protection despite the challenges

House roof being inspected with insurance papers in the foreground

How Homeowners Insurance Covers Roofs

Your homeowners insurance policy typically covers various parts of your dwelling, including walls, floors, and roof. If a covered event damages or destroys your home, your insurance company will pay for repairs or replacement. This coverage extends up to your policy’s limits, ensuring you receive compensation within those bounds.

Standard homeowners insurance policies do not cover all roof damage types, such as typical wear and tear. Roofs have an expected lifespan and gradually deteriorate over time due to wind, rain, hail, and sunlight. When your roof wears down, home insurance likely won’t cover repair or replacement costs.

a house roof with various materials

Roof Factors Affecting Homeowners Insurance Rates

Various factors concerning your home’s roof can impact your homeowners insurance rates. The higher the risk your roof presents to the insurance company, the more you will likely pay for coverage.

Discover how the characteristics of your roof impact your home insurance premiums. Learn more in the details below.

  • As your roof ages, it becomes more prone to damage and leaks during storms. Consequently, insurance premiums increase for older roofs, while newer roofs benefit from lower rates. This is due to the reduced risk of issues with a newer, sturdier roof.

  • Neglecting regular roof maintenance or ignoring existing damage increases the risk of further harm to your home. If your roof leaks and damages your property, you could be held responsible for repair costs after filing an insurance claim. Regular inspections and timely repairs are crucial to prevent costly out-of-pocket expenses. Ensure your roof is well-maintained to avoid insurance complications and protect your dwelling from extensive damage.

  • Your insurance rates will vary based on your roof’s construction materials due to their durability and replacement cost. For example, asphalt shingle roofs are durable and cheaper to insure compared to clay or slate tiles. You could also pay lower premiums for a metal roof made from impact-resistant materials.

  • The shape of your roof significantly impacts its wind resistance, protection level, replacement cost, and more. Gable roofs, less resistant to high winds than hip roofs, often lead to higher insurance costs. Flat roofs, while easier to install, are more prone to hail damage, potentially raising premiums.


a damaged roof with missing shingles and cracks

Roof Damage That Home Insurance Covers

If your roof is damaged by a covered peril, your insurance company will cover repairs or replacement up to your policy limits, minus any deductible. Covered causes of roof damage typically include fire, wind, hail, and other specified events.


Home insurance must shield your roof from falling ice impacts, which can cause significant damage or destruction.


Insurance companies typically cover lost or damaged shingles after a windstorm or severe weather. However, deductibles for wind damage are often higher than your standard dwelling deductible.


If a fire damages or destroys your roof or entire home, your policy will cover the roof repair or replacement.

Falling Objects

This covers falling debris, trees, and other anything that could harm the roof of your house.

a damaged roof with missing shingles and exposed underlayment

Roof Damage Not Covered By Home Insurance

Your homeowners insurance company won’t cover specific types of roof damage, including the following problems:

  • Neglecting to repair or maintain your roof can lead to extensive damage to the roof and its foundation. This oversight can also cause harm to the interior of your home. Addressing roof issues promptly prevents further complications and costly repairs. Regular maintenance is essential to preserve the structural integrity of your home. Don’t wait until it’s too late to fix roof problems.

  • Roofs naturally deteriorate over time from exposure to the elements, which is considered normal wear and tear. Insurance policies do not cover damage caused by this gradual deterioration.

  • Intentional damage to your roof is not covered by insurance. If damage results from actions like drilling or cutting, the insurer will deny your claim. Always avoid intentional actions that could harm your roof to ensure coverage.

    Distressed homeowner on the phone

What To Do If Your Insurer Cancels Because Of A Damage Roof

If your insurance company deems your roof in poor condition, they may require repairs or a replacement. Sometimes, they might even cancel your existing policy. If this occurs, you have a few options to consider. To meet your insurer’s requirements, you can either repair or fully replace your roof. In doing so, you may need to provide proof of these repairs to ensure your policy remains active.

If you’re considering a new insurer, begin by shopping around for different insurance companies. Some insurers are more lenient, making it possible to find one willing to insure your home with the roof in its current condition.


Your roof is a vital shield for your home, protecting it from heat, rain, and hail. An older or damaged roof may not be as effective, leaving your home vulnerable during severe storms. Insurance companies evaluate your roof’s condition when issuing policies and setting premiums. An old, damaged, or poorly maintained roof can make finding affordable home insurance difficult.

To secure homeowners insurance with a damaged roof, get an inspection, compare quotes, negotiate rates, consider repairs, and explore high-risk insurers. These steps help you find suitable coverage despite your roof’s condition, ensuring your home remains protected.


  • Can I get homeowners insurance if my roof is damaged?
    Yes, you can still get homeowners insurance with a damaged roof, but it can be more challenging. Insurers may offer limited roof coverage or require higher premiums due to the increased risk.

  • What should I do before applying for homeowners insurance with a damaged roof?
    Before applying, get your roof inspected to understand its condition and potential replacement costs. This inspection will also help you identify necessary repairs that might improve your chances of securing insurance.

  • How can I find the best insurance rates with a damaged roof?
    Compare quotes from several insurance providers to discover the most affordable prices. This ensures you get the best coverage at the best price. You can also negotiate rates and inquire about potential discounts.

  • Will making roof repairs help me get better insurance coverage?
    Yes, making necessary roof repairs can simplify the process of finding home insurance. It may also lower your premiums, as a well-maintained roof poses less risk to insurers.

  • What are my options if my roof is too damaged to get standard homeowners insurance?
    If your roof is too damaged for standard insurance, consider working with a high-risk insurer. These companies specialize in covering homes with higher risks, though the premiums might be higher. Additionally, look into state-offered insurance plans for high-risk properties.