Does Insurance Cover a New Roof?
For many homeowners in Spring, TX, the cost of a new roof is a big concern — and one of the first questions we hear is: “Will my insurance company pay for my roof replacement?”
The short answer: Yes, insurance often covers a new roof in Texas, but only if the damage is caused by a covered event.
When Insurance Usually Does Cover a Roof
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Hail damage (very common in Texas storms)
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Wind damage from severe thunderstorms or hurricanes
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Fallen tree or storm debris causing roof damage
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Fire damage (included in most homeowner policies)
In these cases, your insurance company may pay for a full roof replacement — not just a patch repair.
When Insurance Usually Does Not Cover a Roof
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Normal wear and tear from age
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Poor maintenance or existing leaks
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Damage caused by neglect (rotted decking, long-term water damage)
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If your roof is simply “old,” insurance won’t typically cover the cost of replacement.