Repair or Replace? How Insurance Makes the Call

Key Takeaways

Insurance covers roof repairs or replacement based on damage type, extent, and repair feasibility.
Total replacement is typically approved when over 50% of the roof is damaged.
A second opinion from a roofer can support your claim if you disagree with the adjuster’s findings.
Factors like roof age, condition, and material availability can influence the outcome.

Working with an experienced contractor can make the insurance process smoother and more accurate.

When a storm hits or shingles start to fly, many homeowners are left wondering: Will my insurance cover a roof repair—or is a full replacement in order? The answer depends on more than just the amount of damage. It’s a decision shaped by your policy, the insurance adjuster’s assessment, and the unique condition of your roof.

Here’s what you need to know about how insurance companies determine whether your roof needs a simple repair or qualifies as a total loss.

What Does Homeowners Insurance Actually Cover?

Roof damage is typically covered under standard homeowners insurance policies, especially when caused by sudden events like storms, fallen trees, or hail. However, that coverage doesn’t always mean a full roof replacement. In many cases, insurance is designed to restore your roof to its pre-loss condition—not upgrade it or pay for a new one unless it’s absolutely necessary.

When Is a Roof Considered a Total Loss?

Insurance adjusters evaluate each claim on a case-by-case basis. That said, widespread damage affecting more than 50% of the roof is often the threshold for total replacement. Common examples include:

Wind damage that has torn off a significant portion of shingles
Hail damage that’s cracked or bruised large areas
Structural damage compromising the roof’s overall integrity

On the other hand, more isolated damage—like a single hole or a few missing shingles—is usually considered repairable.

Key Factors Insurance Adjusters Use to Decide

Home insurance adjusters follow a detailed evaluation process. Their decision is based on:

Type of Damage: Some roofing materials and issues (e.g., torn shingles vs. rotted decking) are more or less repairable.
Extent of Damage: If the damage is minor and localized, repairs may be sufficient.
Repair Feasibility: Even if damage appears minor, if repairs would compromise the roof’s performance or visual consistency, replacement may be necessary.

It’s important to note that adjusters are trained to make these calls, but they’re not roofing contractors. If you feel their assessment doesn’t fully reflect the damage, a second opinion from a qualified roofer can help strengthen your claim.

What Else Affects the Decision?

Age of the Roof: Older roofs may not be eligible for full replacement depending on wear and tear prior to the damage.
Maintenance History: A well-maintained roof is more likely to be fully covered than one with pre-existing neglect.
Matching Materials: If the original materials are no longer available and patching would result in mismatched sections, replacement may be warranted.

Working With Roofing Professionals After a Claim

While your insurance company makes the final decision, you don’t have to go through the process alone. A roofing contractor experienced in insurance restoration—like Fortitude Roofing—can be a valuable partner during the claims process.

We’re not public adjusters, but we are highly skilled in post-claim inspections, damage documentation, and ensuring that necessary repairs meet industry standards. If we believe the damage warrants more than what the insurance adjuster found, we’ll help you present that information clearly and professionally.

FAQs

1. Can I get a new roof if only part of it is damaged?

Not usually. Insurance typically only covers a full replacement if the damage affects a large portion of the roof or matching materials aren’t available.

2. What if the adjuster and roofer disagree?

You can submit a contractor’s estimate and request a reinspection. Many insurance companies will reevaluate if strong evidence is presented.

3. Will my roof’s age affect my claim?

Yes. Older roofs may have limited coverage, especially if there’s evidence of neglect or lack of maintenance.