Home Insurance and Roof Replacement

Your guide to roof replacement and home insurance

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Written By Joel Kranc

Updated November 15, 2023

Is roof replacement covered under home insurance?

Yes and no. Roof replacement can be covered by your home insurance if it was damaged due to weather or other unforeseen circumstances. However, if at the end of a normal roof lifespan, wear and tear has forced you to replace a new roof, you will not have coverage for that, as it is considered normal maintenance of the home, which is the responsibility of the homeowner.

How does roof replacement insurance coverage work?

One of the first steps for most insurance coverage, roofs included, is to contact your insurance representative and familiarize yourself with your policy in Canada.

Some policies only cover roof damage up to a certain age. Roofs that are 10 years old or newer can receive full coverage. If it’s older than that, your provider may only cover the depreciated value of the roof depending on the assessment of an expert.

Most coverage in Canada will cover roof damages that may be caused by unpreventable reasons such as fire, storms or vandalism.

How to maintain a great roof and prevent damage

Because your roof plays such an important role in the life of your home, proper maintenance and repair is a must for homeowners who want to retain value and reduce or eliminate any damage to their home.

The type of roof materials you use will also help mitigate risks to your home.

Slate and tile are fairly fire-resistant and provide good insulation. There is little maintenance required with slate and tile roofs, and they are also resistant to rotting and insects. Asphalt shingles, which are a very common material, are affordable and have a fairly long life span (15 to 20 years).

Other factors to consider:

  • Trim trees so they don’t rub against or damage roofs
  • Clean out gutters regularly
  • Leave roof vents open to allow for ventilation

Frequently asked questions about roof replacement

How much of the roof replacement cost will my home insurance cover?

This depends on your policy specifications, the age of the roof and the extent of the damage. Make sure to talk to your insurance provider for details.

How do I start a claim?

Start the claim process as soon as you are aware of damages. If possible, document the condition and talk to your insurance provider. Also, make temporary repairs if needed.

Does home insurance cover general wear and tear of my roof?

No. As roofs age they will require regular maintenance to keep it functioning properly. But this is considered general maintenance and would not be part of home insurance coverage.

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