Does Insurance Cover Roof Replacement?

Owning a home is one of the most rewarding aspects of life. Hard work and wise financial decisions allow many Americans to buy the house of their dreams, and turn that house into a home. However, owning a home can be stressful as well.

From pest infestation, to routine yard work, a house requires constant upkeep to ensure it is livable and comfortable. One of the most overlooked pieces of keeping a home safe is the roof.

Especially here in Texas, leaky roofs are not uncommon, and if action is not taken quickly a leaky roof can lead to more hazardous conditions, like partial roof collapses which are as dangerous as they sound. But does insurance cover roof replacement, or even roof repairs? This is one of the most important questions a homeowner should ask before buying home insurance.

Insurance and Roof Replacement and Repairs

Homeowners insurance will cover damage to your roof, but only in certain instances. For example, hail damage or if a tree fell and damaged part of your roof, homeowners insurance will often cover the damage.

A good rule of thumb is that if your roof damage was caused by an unavoidable event, you’re typically covered. Insurance companies understand that keeping a safe roof on your house protects many of the assets in your home.

During Spring, when storms in Texas hit their peak, we handle all kinds of insurance claims from hail, strong winds and much more. Your insurance will want proof there is damage to your roof, but if a professional, like GAL-TECH, deems your roof damaged you are likely to be covered.

To get clarity, you can always have GAL-TECH ROOFING come out to provide a free inspection of your roof and we can work with your insurance to help you handle the claim.

Dangers of a Damaged Roof

Many homeowners don’t fully understand the hazards and dangers that a damaged roof can reap on your home, but this can actually pose many severe threats to your family if not attended to immediately.

The most obvious danger of a damaged roof is weakened structural integrity of your entire home. If your roof is severely damaged, the weight of your roof may not be distributed properly, and could put extreme strain on areas of your home that may not have been designed to support it. Over time, this will weaken your home’s wall, and even foundation and could lead to a partial, or in extreme circumstances, complete roof collapse. Obviously, this could lead to injury or even death, making repairing a damaged roof paramount.

Of course, there are myriad dangers of a damaged roof aside from simply roof collapse. Some of these additional dangers are:

  • Moisture Damage: A damaged roof can allow leaks to become more prevalent and allow moisture in your home. Over time, this can cause mold and mildew growth which can lead to a host of health issues.
  • Increased Utility Bills: If your roof is damaged, you might notice utility bills skyrocketing. This is because any cracks or holes in your roof will allow air to seep out and leaving you to pay more to heat or cool your home.
  • Pest Infestations: Damaged roofs can make the perfect environment for birds to build their nests or allow rodents and insects to make their way into your home. Not only can these pests be annoying, but they can also pose serious health concerns.


If you suspect your roof might have damage it’s best to have a professional assess your needs. GAL-TECH ROOFING is here to help Granbury, Texas homeowners keep their home’s safe and sound. Contact us by calling 817-559-1511 today!


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