Insurance pays for damage, not age. What you get back depends on the kind of coverage you have and your deductible.
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Usually yes, when a covered event like hail, wind or a falling tree damages the roof, minus your deductible. The Texas Department of Insurance is clear that insurers won’t pay for a new roof just because the old one is worn out, and older roofs are often paid at actual cash value, which means less money back.
You can file a claim when a storm, a tree or another sudden cause damages your roof. Normal aging, wear and poor maintenance aren’t covered. If hail damaged only part of the roof, the insurer may pay to repair that part rather than replace the whole roof.
| Replacement cost (RCV) | Actual cash value (ACV) | |
|---|---|---|
| Pays | Up to the cost to repair or replace at today’s prices | Today’s cost minus depreciation for age and wear |
| How it’s paid | Usually in two payments: a first partial payment, the rest once repairs are underway | One payment for the depreciated amount |
| Good to know | Some companies switch roofs to actual cash value as they age, and a roof in poor condition might not be covered at all. Your company should tell you about coverage changes at renewal. | |
TDI warns that a discount for a metal roof can come with an exclusion for cosmetic damage. If hail dents the roof but it still works, the policy won’t pay to fix it, and an insurer can add that exclusion at renewal. More in metal vs. shingle roofs in Texas.
We inspect the roof, photograph the damage and write an estimate you can share with your insurer. Under Texas law a roofer can’t negotiate your claim or cover your deductible; the claim stays between you and your insurance company. More on our insurance claim help page.
No. Insurers pay for damage from covered events, not for normal wear. An older roof may also be paid at actual cash value, which subtracts depreciation.
With replacement cost coverage, insurers usually pay in two installments: a first partial payment, and the rest after repairs begin. With actual cash value, depreciation is subtracted.
It depends on how much of the roof is damaged. Widespread hail damage often means replacement; damage limited to one area may only be paid as a repair.
This guide is general information for Texas homeowners, not legal or insurance advice. Your policy, your city and your house decide the details.
