If the repair is yours to pay
Get more than one quote before you agree to a price, and ask the contractor to confirm where the property line and the public side begin.
Compare local pros on AngiFor concrete, yard, tree, and foundation work, get a few quotes first.
Partner link. Who Pays the Repair? may earn a commission if you request a quote or sign up, at no cost to you. It never changes who we say pays.
Default rule and exceptions
Homeowners insurance typically covers roof damage from a covered peril like wind, hail, or falling trees, but not damage from age, wear, or poor maintenance; insurers may also require inspection or restrict coverage for roofs over 20 years old.
| Party | What they are responsible for |
|---|---|
| Insurer | Covers roof damage resulting from a covered peril such as wind, hail, or falling trees. |
| Homeowner | Bears roof damage from age, wear, or poor maintenance, and may face inspection requirements or coverage restrictions on roofs over 20 years old. |
| Exceptions | Insurers may require an inspection or decline new policies for homes with roofs over 20 years old. |
What the source says
Last verified against the primary source on Sep 29, 2026.
Homeowners insurance policies typically cover roof damage resulting from a covered peril, such as wind, hail, or falling trees.
If your roof is over 20 years old when you apply for home or business insurance, most insurance companies will require it to pass an inspection. Other insurers may decline to write new policies for homes or businesses with older roofs.
Common questions
Who pays for insurance coverage: roof damage in General, US?
It depends on the specific facts. Covers roof damage resulting from a covered peril such as wind, hail, or falling trees.
Are there exceptions in General, US?
Insurers may require an inspection or decline new policies for homes with roofs over 20 years old.
What is this based on for General, US?
This verdict is sourced to How your roof influences your home and business insurance and 2 sources in total, each independently re-checked before publication.
Sources
- How your roof influences your home and business insuranceofficial-guide · verified-primary · accessed 2026-09-29
- How your roof influences your home and business insuranceofficial-guide · verified-primary · accessed 2026-09-29
Spot an error? Challenge this record
Found an out-of-date code section, a wrong verdict, or a better primary source? Tell us. Corrections that check out are applied, with the change shown in history. That is our standing policy.