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 [sfl_location] 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 [sfl_phone] or fill out our contact form to schedule an appointment.




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*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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Bone Dry did a great job of insulating the attic and area behind the bedroom. Professional and fairly priced.
Sue Wood
I was very satisfied with Bone Dry Roofing. They made some repairs that were needed. Their quote was competitive, the job was scheduled in a timely manner, and the work was done professionally and t..
Gregory Anselm
Whitney was awesome!! And her crew of workers were also they showed up at 7 and got right to work!! They were done with the roof … cleaned up and out by 1130!! The roof looks amazing!!!
Jessica Carter
I appreciate your immediate attention, precise analysis of the problem, and nicely installed fix.
Gwen Erwood
Excellent communication during the bidding and scheduling process. Quick work on every project they have done for us (our roof and a 100 foot brick retaining wall along our drive). Excellent clean-up ..
Megan Werle
They did a good and timely job
Chardonnay Rose
They have done a great job for me many times already and they stand behind their work.
Gary Behling
Scheduled us in sooner than estimated due to rain in the forecast. kept me in the loop and shared pictures of progress at each stage.
Chardonnay Rose