Quick Answer
Homeowners insurance in San Antonio typically covers roof replacement when sudden, accidental damage from a covered event like hail, wind, or a fallen tree makes replacement necessary. It generally does not cover normal wear and tear, age, or poor maintenance. You will pay your deductible, and some policies pay only the depreciated value of an older roof. Check your declarations page to see how your roof is covered.
What's Usually Covered
Most homeowners policies cover damage from sudden events.
- Hail damage
- Wind damage, including missing or torn roofing
- Fallen trees or limbs from a storm
- Fire damage
What's Usually Not Covered
Insurance is not maintenance coverage. Roofs that wear out from age, sun exposure, or lack of upkeep are generally not covered.
Damage that was ignored and became worse over time may also be denied, which is why prompt inspections after storms matter.
Deductibles and Roof Age
Many Texas policies have a separate wind and hail deductible, often a percentage of your home's insured value instead of a flat dollar amount. That can be a larger number than homeowners expect.
Some policies pay replacement cost, while others pay actual cash value, which subtracts depreciation based on the roof's age. Some newer policies use special roof payment schedules. Your declarations page and agent can tell you which applies.
Understanding Your Declarations Page
Your declarations page is the summary of your policy. It lists your coverage limits, deductibles, and sometimes how your roof is valued.
- Dwelling coverage limit
- All-perils deductible
- Wind and hail deductible, often a percentage
- Replacement cost vs. actual cash value for the roof
- Any roof payment schedule endorsements
- Cosmetic damage exclusions for metal roofs
Getting Help With a Claim
If you think your roof has storm damage, a roofer can inspect it, document what they find, and meet with your adjuster to point out damage.
Sanchez Metal Roofing has worked with insurance claims in San Antonio for more than 20 years. Call us for a free inspection before or after you file.
Frequently Asked Questions
Will insurance replace an old roof?
Only if it was damaged by a covered event. Age alone is not covered, and older roofs may be paid at a depreciated value.
What is a wind and hail deductible?
A separate deductible for wind and hail claims, often a percentage of your home's insured value.
Can a roofer pay my deductible?
No. Texas law prohibits contractors from waiving or paying a homeowner's insurance deductible.
Contact Sanchez Metal Roofing
Phone: (210) 708-3308. Email: sanchezmetalroofing123@gmail.com. Address: 520 Fredericksburg Rd, San Antonio, TX 78201. Hours: Monday through Saturday 8:00 AM to 5:00 PM. Free roof inspections across San Antonio. Call (210) 708-3308.