Homeowners insurance policies in the US may cover roof replacement or repairs in certain circumstances, such as damage caused by storms, fire, or vandalism. However, the coverage and eligibility criteria can vary widely depending on the insurance company and the specific policy. Some policies may have exclusions for certain types of damage or only cover partial replacement costs.
It’s important to review your insurance policy carefully to understand what types of roof damage are covered and what your policy’s deductible and coverage limits are.