Insurance coverage for roof replacement depends entirely on what caused the damage. Most policies cover sudden, accidental damage from specific perils like hurricanes, hail, falling trees, or fire. However, insurance typically excludes damage resulting from normal wear and tear, lack of maintenance, or exceeding normal lifespan—the most common replacement reasons. Age-related deterioration remains your responsibility as regular home maintenance. Florida policies often include separate hurricane deductibles ranging from 2-10% of your dwelling coverage—substantially higher than standard deductibles. Document your roof’s condition through regular professional inspections and keep maintenance records to strengthen potential claims. After damage occurs, have a qualified roofing contractor document the specific cause to help determine coverage eligibility. Review your policy carefully to understand your specific coverage and exclusions.
