Does homeowners insurance cover damage to a roof if it is out of warranty?

Generally, no. A homeowners insurance policy will allow coverage to a stable part of a home, like a roof, when it is in good shape. If the roof no longer has its warranty, it will need to be inspected so that the homeowner can state it was in good shape before they file for any damages that happened to the roof. More about this question can be answered by talking to the agent of the homeowner’s insurance policy.

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