A roof of a house

Roof Damage Coverage

Home Insurance Add-On 

  • Roof replacement cost coverage helps pay for damage from wind, hail and other unexpected covered events
  • Receive payment for the roof’s actual cash value (ACV), or upgrade your policy to replacement cost value (RCV)

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What’s covered under replacement roof insurance coverage? 

American Family Insurance’s base home policy provides ACV coverage for roofs. With this optional insurance, you can add RCV coverage for repairing windstorm and hail damage or full roof replacement.

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Examples: How Homeowners Roof Coverage Can Help 

Just as a roof should protect everything under it, roof insurance coverage should protect the roof itself. Here are three examples of situations where it could prove helpful. 

Did you know?
“Do you live in an earthquake-prone area? Even small tremors can damage your roof, and only earthquake insurance could cover it.” 


Your roof can brush off a few hailstones, but repeated strikes can weaken the exterior or even create holes. Roof damage coverage can help pay for repairs that reinforce your roof, or even roof replacement if needed. 

Wind damage

High-speed gusts* can damage the shingles on your roof. The flashing is also vulnerable. Then there’s the possibility of airborne debris causing structural damage to your roof. The costs associated with this type of damage can be high, and replacement cost roof damage coverage can help.

Unexpected Fires

A lightning strike sets your roof ablaze. Severe damage from an unexpected fire is the kind of crisis that this coverage is meant to help resolve. You'd need all the help you can get for a cost as expensive as replacing an entire roof. 
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