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    ystuart's Avatar
    ystuart Posts: 1, Reputation: 1
    New Member
    		  
    #1

    Mar 14, 2010, 11:23 AM
    New roof through homeowner insurance
    We have a tin roof over 30 years old. The ceiling is leaking in 3 rooms and 2 hallways in our house. Will insurance cover a new roof?
    tickle's Avatar
    tickle Posts: 23,796, Reputation: 2674
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    #2

    Mar 14, 2010, 11:25 AM

    I doubt very much your insurance will cover a new roof. Usually it is a the responsibility of the homeowner for that expense. Better get some estimates.

    Tick
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #3

    Mar 14, 2010, 11:30 AM

    No it will not. Homeowner's insurance covers accidental damage, not wear and tear.
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
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    #4

    Mar 14, 2010, 11:51 AM

    If there was hail or wind damage to the roof, it may pay some minus depreciation against the age of the roof. But at 30 years old, normally it shows it should have been replaced years ago because of normal wear and tear
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