Does Insurance Cover Roof Replacement or Only Repairs?
After a tornado or severe windstorm in Texas, many homeowners wonder whether their insurance will pay for a full roof replacement — or just patch repairs. The answer depends on your policy type, the extent of the damage, and how your roof is valued under your coverage.
What Standard Homeowners Insurance Covers
Roof damage brought on by unexpected and unplanned catastrophes, such as tornadoes, hail, or windstorms, is typically covered by Texas homeowners' insurance. Insurance usually covers the cost of restoring the roof to its pre-loss state if the damage was caused by a storm rather than normal wear and tear. However, insurers do not always cover a complete replacement; they just cover what is required.
When Repairs Are Covered
If only a portion of the roof is damaged — for example, a section of shingles torn off — your insurer may approve repairs instead of a full replacement.
Insurance companies determine this by assessing:
- The age of the roof
- The extent of storm impact
- Whether the damaged area can be reasonably repaired
- Matching issues (color and material availability)
If the roof can be safely repaired and still function properly, replacement may not be approved.
When Full Replacement Is Covered
Full roof replacement may be covered if:
- Damage is widespread across multiple slopes
- Structural integrity is compromised
- Repairs would not restore the roof to proper condition
- Local building codes require full replacement
If you live in certain coastal counties, wind-related roof damage may be handled through the Texas Windstorm Insurance Association (TWIA), depending on your policy setup.
Replacement Cost vs. Actual Cash Value
Your payout also depends on how your roof is insured:
Replacement Cost Value (RCV) policies pay the cost to replace the roof (minus deductible), though depreciation may be withheld initially.
Actual Cash Value (ACV) policies pay the depreciated value of the roof, which can significantly reduce your settlement — especially for older roofs.
Conclusion
Depending on the extent of the damage and the terms of your policy, insurance may pay for repairs or complete replacement. Before storm season, you can better understand what to anticipate in the event that a claim is needed by reviewing your coverage type, deductible, and depreciation terms.
