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.

Bone Dry Roofing Fort Wayne 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 260-267-6189 or fill out our contact form to schedule an appointment.




With free inspections and estimates, simply submit a Free Quote request to get started.

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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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.


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Our team members live and work in the communities we serve, understanding the unique needs faced by the area’s residents. As members of the community ourselves, we are not just service providers; we are neighbors dedicated to improving the comfort, safety, and security of your home.





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Great experience from start to finish. John was very knowledgeable and the crew was very professional. They kept me updated throughout the process with photos and text messages.
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I was very pleased with the gutter/ downspout job completed by Pete and his team. The guys were efficient and professional. I highly recommend Bone Dry Roofing.
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This company goes above and beyond in my opinion, and the costumer service is superb. I had a leaking roof with a scheduled core cut. One week prior to the scheduled appointment, the roof failed and a..
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