Does Your Home Insurance Cover Roof Repairs?

John McEvoy
May 25, 2023

In every homeowner's life, there comes a time when they ask, "Does home insurance cover roof repairs?" This question becomes particularly relevant when faced with the prospect of a leaking or damaged roof. A well-maintained roof is crucial to safeguard your home from the elements. But what happens when disaster strikes? This is where HP Roofing, Ireland's leading roofing company, provides expert guidance and services.

The Intricacies of Home Insurance Coverage for Roof Repairs

To comprehend if home insurance does cover roof repairs, it's essential to understand the specifics of what your insurance policy covers. Typically, home insurance policies cover 'insurable events.' These are unforeseen circumstances like fires, storms, or burglaries.

When Does Home Insurance Cover Roof Repairs?

Home insurance usually covers roof repairs when damage has occurred due to an 'insurable event.' For instance, if a storm, fire, or vandalism damages your roof, your insurance will likely cover the repairs.

Storm Damage

Ireland is known for its sudden weather changes. Storm damage is a common issue homeowners face. If your roof suffers damage from a storm, your insurance will generally cover the repair costs.

 Fire Damage

Fire is another event generally covered under home insurance policies. If a fire damages your roof, you can file a claim with your insurance company to cover the repair or replacement costs.


While less common, vandalism is another insurable event. If someone intentionally damages your roof, your insurance will likely cover the repair costs.

When Doesn’t Home Insurance Cover Roof Repairs?

It's equally important to understand when home insurance does not cover roof repairs.

Wear and Tear

General wear and tear are one of the main exclusions from most home insurance policies. Roofs age and deteriorate over time, and this is considered a maintenance issue, not an insurable event.

Lack of Maintenance

Neglect or lack of regular maintenance can lead to roof damage. Home insurance usually does not cover this, as it's the homeowner's responsibility to ensure regular upkeep.

Importance of Regular Roof Maintenance and Inspection

Regular roof maintenance and inspection are crucial to prolong the life of your roof and potentially avoid large repair costs. It's advisable to engage a professional roofing company like HP Roofing for routine check-ups to ensure the health of your roof.

HP Roofing's Maintenance and Inspection Services

HP Roofing offers comprehensive roofing services, including regular maintenance and inspection, to ensure your roof stays in top shape. Regular roof checkups can help identify potential issues before they become significant problems.

How to File a Claim for Roof Repair with Your Home Insurance?

If you need to file a claim for a roof repair, the process generally involves these steps:

Contact Your Insurance Company

First, contact your insurance company to notify them about the damage.

Document the Damage

Take photographs of the damage and make notes about what happened. This will be useful when you file your claim.

Get a Professional Assessment

Have a professional roofing company like HP Roofing assess the damage. They can estimate the repair costs, which will be helpful when you file your claim.

Complete the Claims Process

Your insurance company will guide you through the rest of the claims process.

Partner with HP Roofing for Your Roofing Needs

Trustworthy Roofing Services

At HP Roofing, we understand your roof's crucial role in protecting your home. We are committed to delivering top-notch roofing services to all our clients. Our team of experienced professionals can assist with regular roof maintenance and emergency roof repairs and provide valuable assistance in understanding and navigating insurance claims.

Emergency Roof Repair Services

Damage to your roof can happen anytime, and when it does, you need fast and reliable service. At HP Roofing, we provide emergency roof repair services to protect your home and prevent further damage. Whether it's a leak, storm damage, or any other emergency, our team can assist you 24/7.

Key Takeaways: Does Home Insurance Cover Roof Repairs?

Understanding whether your home insurance covers roof repairs can be complex. Here are the key takeaways:

  • When unexpected events like storms, fires, or vandalism damage a roof, home insurance typically covers the repairs.
  • Home insurance generally does not cover regular wear and tear or damage due to a lack of maintenance.
  • Regular roof maintenance and inspection are crucial to avoid significant repair costs and potential insurance claim rejections.
  • If you need to file a claim for roof repair, document the damage, get a professional assessment, and follow your insurance company's claims process.

Final Thoughts and Call to Action

At HP Roofing, we're here to help you navigate these complexities. We're not just a roofing company but a team committed to helping you protect your home. Whether it's regular maintenance, emergency repairs, or assistance with insurance claims, we've got you covered.

Have you been asking, “Does home insurance cover roof repairs?” and need professional help? Look no further than HP Roofing. Contact us today to discuss your roofing needs and learn more about how we can assist you in maintaining your roof in top condition.

Contact us today!

HP Roofing is a team of residential & commercial roofing contractors and solar panel installation experts in Dublin. We offer a wide range of services, from roof repairs and replacements to solar PV installations and maintenance, with quality beyond expectations.
Call HP Roofing 01 453 3366

Frequently Asked Questions

Can I claim for a leaking roof on my insurance?

Yes, but it depends on what caused the leak. Your insurance should pay for the leak if it was a result of one of the perils listed in your policy, such as a storm or vandalism. However, it's unlikely to be covered if the leak is due to neglect or a lack of maintenance.

Can I claim a new roof on my home insurance?

Typically, home insurance policies don't cover roof replacement due to wear and tear. If a covered peril damages your roof beyond repair, your policy may cover replacement.

Can I claim for storm damage to my roof?

Yes, storm damage is generally a covered peril in most home insurance policies. Documenting the damage and reporting it to your insurance company promptly is essential.

What wind speed is classified as a storm for insurance purposes?

Insurance companies usually classify a storm based on wind speed when it causes damage. The typical threshold is around 48-55 mph, but it may vary depending on your insurance provider.

Will my insurance pay for storm damage?

Typically, yes. Most home insurance policies cover "acts of God," which include storm damage. However, each claim is subject to review, and the outcome depends on the specifics of your policy.

How often should I inspect my roof to avoid insurance claim rejections?

Regular inspections, typically once or twice a year, are advisable. It's also a good practise to inspect your roof after any significant storm or event. Regular inspections can help identify and address potential issues early on, thus reducing the chances of insurance claim rejections due to neglect or a lack of maintenance.

Fill in your Details to Discuss your Roofing Project

Check - Elements Webflow Library - BRIX Templates

Thank you

Please check your inbox to download your Free EBook!
Oops! Something went wrong while submitting the form.
*FYI, parts of this blog post were drafted by artificial technlogy. But rest assured, it's been thoroughly researched, edited, reviewed and me & my team.
Founder @ HPRoofing

The founder of HP Roofing, with years of industry experience, providing top-notch roofing and solar panel services for residential and commercial properties in Dublin, delivering high-quality and customised solutions that combine both aesthetic appeal and durable functionality.