Why Insurance Doesn’t Cover Roof Wear and Tear


A residential roof is a significant investment for any homeowner. While the system is designed to protect your home from severe weather conditions, such as hail and extreme heat, there will come a time when it will deteriorate. Your insurance may cover storm damage roof repair, but it will generally not pay for wear and tear. Expert roofers explain why below.

Roof Wear and Tear

Why Is Wear and Tear Not Covered by Insurance?


It is your responsibility as a homeowner to take care of your home. To that end, insurance policies do not cover damage caused by a lack of maintenance. This means that needed repairs due to wear and tear or a full-on replacement resulting from your roof reaching the end of its serviceable life will not be covered by your insurance.

Your insurance company may also refuse to cover further damage caused by an attempt to perform a repair on your own. If you directly exacerbated the roofing problem, for example, by attempting to fix cracked shingles, instead of calling a professional roofing contractor, your insurance company will not cover the damage.

What Is Normally Covered by Insurance?

Your insurance coverage will vary depending on the situation, such as events caused by an act of nature, like a mature tree falling on your roof due to a brutal storm. When this happens, your insurance company may pay for the cost of repair minus the deductible. It is extremely important that you go over the details of your insurance policy to understand its inclusions and exclusions.

is a premier source of residential roofing services, including roof replacement and storm damage repair. Our expert team can help you achieve the level of comfort and efficiency you deserve. Give us a call at 877-266-3379 or fill out our contact form to schedule an appointment.




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$500 OFF Full Roof Replacement*

For Military Members, Military Veterans, Senior Citizens, First Responders, Teachers and Healthcare Professionals

*Can not be combined with any other offer or prior estimates/projects. Single family residential homes only. Not valid on insurance claims.


10% OFF Any Repair*

*Can not be combined with any other offer or prior estimates and projects. Single family residential homes only. Not valid on insurance claims.

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We had Bone Dry do masonry, roofing & gutter for us. Everyone we dealt with was professional, polite & on time. We were actually amazed how fast they did the roof & it looked great. Actually everything looked great
Debra B.
The experience of working with all of the folks at Bone Dry Roofing was top notch. Detailed photos and videos were provided for the initial inspection of the roof and then multiple photos were provided throughout the installation. I live in another state and was very well pleased working with them long distance. They made it very easy and stress free. The shingle roof - and all new decking - was replaced in less than 7 hours. Other teams of theirs will be back to replace the b pipe and the gutters next week.
Liz B.
AJ Snow and his crew did a fantastic job. I got pictures and text throughout the project until completion. Will always use Bone Dry Roofing. That are very good and do great work!
Michael D.
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