Will insurance cover a new roof if shingles are blown off?

Insurance will often cover a new roof if shingles are blown off, but whether you get a full replacement or just a repair depends on the extent of damage, your policy type, and state laws. Homeowner's insurance covers sudden accidental damage from wind, which is a standard covered peril. If a windstorm causes a few shingles to blow off, insurance will typically pay for repair of the damaged area minus your deductible. If damage is extensive, such as many shingles missing across multiple slopes, widespread creasing where shingles are bent but still attached, or if matching shingles are no longer available, many policies and state matching laws require the insurer to replace the entire slope or the entire roof to achieve a uniform appearance. Factors that affect approval include documentation of wind speeds, photos of damage, age and condition of the roof before the storm, and whether the roof was already near end of life. If the roof was already deteriorated, brittle, or had pre-existing seal failure, the claim may be denied for wear and tear. Most policies cover replacement cost value, but some older roofs may be limited to actual cash value with depreciation. You must mitigate further damage by tarping promptly and file quickly. An adjuster inspection will determine if repair or replacement is warranted.