# Does Insurance Cover Roof Damage? | Who Pays the Repair?

> Storm-caused roof damage is typically covered, age and wear are not, and older roofs face inspection requirements.

**Who pays:** depends

Homeowners insurance covers roof damage from storms like wind or hail, but not damage from age or wear, and older roofs face added scrutiny.

**Boundary:** 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.

**Exceptions:** Insurers may require an inspection or decline new policies for homes with roofs over 20 years old.

## Sources
- [How your roof influences your home and business insurance](https://www.iii.org/article/how-your-roof-influences-your-home-and-business-insurance) — "Homeowners insurance policies typically cover roof damage resulting from a covered peril, such as wind, hail, or falling trees." (accessed 2026-09-29)
- [How your roof influences your home and business insurance](https://www.iii.org/article/how-your-roof-influences-your-home-and-business-insurance) — "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." (accessed 2026-09-29)

_Last verified 2026-09-29. Source: Who Pays the Repair? — https://whopaystherepair.com/rules/does-homeowners-insurance-cover-roof-damage/ — every claim checked against a primary source before publication (see /methodology/)._