Most homeowners insurance policies cover roof damage caused by sudden events like wind, hail, or fire. However, damage resulting from poor maintenance, neglect, or aging materials is usually excluded. The age and condition of your roof may also influence how much your insurer is willing to pay, especially if the roof is over fifteen years old. Some policies only reimburse the depreciated value, not the full cost of replacement. Knowing these details in advance helps you set realistic expectations and plan for possible out-of-pocket costs.