The answer to that question depends on the cause of the damage to the roof. If the damage to your roof was caused by normal wear and tear, your homeowners insurance would not cover the expenses to fix the roof.
As a homeowner, you are financially responsible for maintaining your property, which means you are responsible for replacing things in the home that are worn out.
If the damage to the roof was caused by something covered by your homeowner’s policy, your insurance company would pay for the repairs minus the deductible. Some of the situations in which your roof damage would be covered by your policy include damage due to hail, fallen trees, snow, and lightning.
If the damage to your roof is covered by your policy, you should contact your insurance company to file a claim. If your whole roof has to be replaced, you should ask your agent if you qualify for discounts for impact-resistant roofing materials.
When it comes to fixing your roof, make sure you do a lot of research before hiring a roofer. You should ask your neighbors and friends for recommendations. Your insurance agent can also recommend some contractors you can use.
The contractor you hire should be licensed, and you should make sure the contract you sign has all the important details of the work done to your roof and the costs associated with fixing it. Do not pay until the work is done and an inspector has signed off on it.