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Roof Damage Coverage

Home Insurance Add-On 

  • Roof replacement cost coverage helps pay for damage from wind, hail and other unexpected covered events
  • Receive payment for the roof’s actual cash value (ACV), or upgrade your policy to replacement cost value (RCV)
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What’s covered under replacement roof insurance coverage? 

American Family Insurance’s base home policy provides ACV coverage for roofs. With this optional insurance, you can add RCV coverage for repairing windstorm and hail damage or full roof replacement.

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Examples: How Homeowners Roof Coverage Can Help 

Just as a roof should protect everything under it, roof insurance coverage should protect the roof itself. Here are three examples of situations where it could prove helpful. 

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Did you know?
“Do you live in an earthquake-prone area? Even small tremors can damage your roof, and only earthquake insurance could cover it.” 
Hail

Hail

Your roof can brush off a few hailstones, but repeated strikes can weaken the exterior or even create holes. Roof damage coverage can help pay for repairs that reinforce your roof, or even roof replacement if needed. 
Wind

Wind damage

High-speed gusts* can damage the shingles on your roof. The flashing is also vulnerable. Then there’s the possibility of airborne debris causing structural damage to your roof. The costs associated with this type of damage can be high, and replacement cost roof damage coverage can help.
Fire

Unexpected Fires

A lightning strike sets your roof ablaze. Severe damage from an unexpected fire is the kind of crisis that this coverage is meant to help resolve. You'd need all the help you can get for a cost as expensive as replacing an entire roof. 
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Frequently Asked Questions

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*For windstorms, replacement cost value coverage is available as an added extra coverage.

**Study of Life Expectancy of Home Components, National Association of Home Builders, https://www.hcmuddox.com/sites/default/library/nahb20study20of20life20expectancy20of20home20components.pdf (last visited October 13, 2023)

***Named stormed deductible applies only to GA.

The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.