Roofer installing shingles

Tips for Roof Maintenance & Repair |

Updated October 5, 2016 . AmFam Team

The roof over your head is your home’s first line of defense. Keeping your home in good condition ensures you’ll enjoy it for many years to come. Here are some tips to extend the life of your roof and things to consider when it’s time for replacement.

How Can I Make Sure I’m Hiring the Right Roofing Contractor?

If you’ve given your roof a good review and decided it’s time for repairs or replacement, the next step is to hire a roofing contractor you can trust. Find peace of mind by asking a few key questions.

  • How long have you been in the business?
  • Are you bonded and insured, including worker’s compensation and general liability?
  • Do you have the appropriate licenses for my community?
  • Can I call your customers for a reference?
  • Are you willing to put all agreements, promises and understanding in writing?

Remember, the cost to replace a roof varies according to the market, roofing materials, the roofing contractor, the pitch (or steepness) of the roof, the area to be covered and other factors.

Are you looking for more ways you can take care of your home? Our home maintenance hub has a number of tips and resources to guide you to keep your home in great shape all year long.

Are Roofs Covered Under Homeowners Insurance?

If your home, including your roof, is damaged, our homeowners coverage works hard to help you regroup and restore. And if your home isn’t livable while things are being repaired or rebuilt, we may even help cover temporary housing expenses. Take a look at our roof replacement coverage page to learn how your homeowners insurance covers roof damage, and in the meantime, here’s the gist of what you should know.

  • With American Family Insurance, your base homeowners policy provides actual cash value coverage for wind and hail damage to roofing systems.
  • Replacement cost value coverage for wind and hail damage to roofs is available as an optional coverage.
  • Roof losses for all other perils (e.g. falling objects) are covered at replacement cost.
  • Cosmetic hail damage coverage for metal roof or siding is available as an optional coverage.

The answers you need. Have questions about protecting your home with the right coverage? View our home insurance FAQs.

Need to file a claim? Our industry-leading claims service is focused on helping you regroup and restore, with as little interruption as possible. Let's get started.

Want to make sure you have the right coverage for your home and roof? Your American Family agent (Opens in a new tab) is ready to help!

This article is for informational purposes only and includes information widely available through different sources and does not afford or guarantee any coverage.

*Homeowners premiums are based on a variety of factors including roof age, roof material and more, which impacts the rate you are quoted and that you will pay.

**Discount availability and eligibility varies by state and policy terms.

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