Changing a roof can be prohibitively expensive for many homeowners is especially large, or has a complicated shape or slope. In the event of a storm or a tree fall, one would expect home insurance to cover basic roof damage. However, your insurance company may deny coverage precisely because roof replacement is one of the most expensive repairs. Warning # 1: your roof is too old You can assume that your home insurance will cover roof damage in the event of fire or theft and, in most cases, that is a reasonable assumption. However, the roof coverage may not apply if the roof is deemed to be “too old”. In most cases, a roof will be considered too old if it is 20 years or older, as this is the lifespan of most tile roofs. The roof can also count as too old if one of the bottom layers is 20 years old and had a new roof layer added on top instead of paying for a full replacement. Why is it like this? Simply put, an insurance company doesn't want to pay full price to replac