Will a homeowners policy cover damaged shingles

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Asked July 17, 2018

1 Answer


Because of the winds and heavy storms that are native to North Carolina, it's common for homeowners to deal with damaged shingles. If the shingles remain damaged, this could cause leaking roofs and other roof damage that will result in the need for eventual roof replacement. However, repairing a roof can be a problem because of the expense that is often included. If you have a homeowners insurance policy on your house, you may wonder if it covers damaged shingles.

The only way that your insurance provider will cover damaged shingles is if the damage is caused by a storm or other peril as per the agreement on your policy. If your policy includes comprehensive coverage and allows for payment made to damage that was caused by storms and other natural disasters, the cost of damaged shingles should and will be covered. You will want to talk to your insurance provider to find out more about your specific policy and what is included in it. If your insurance policy does not cover comprehensive or storm damage, you may be left holding the bill and having to pay it all yourself.

If, however, the shingles are damaged because of normal wear and tear, your North Carolina homeowners insurance policy will not cover the cost for them to be repaired. Wear and tear is never covered on a homeowners policy, no matter what state you are living in. This is seen as a normal part of living in the house and is then going to be the homeowner's responsibility to fix and repair themselves. Most policies do not have the option to add on wear and tear to coverage, so this is a bill that you will be responsible for paying on your own without the help of the insurance company.

Answered July 18, 2018 by kdw

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