If you’ve ever walked outside after a North Carolina storm and found shingle bits on your lawn—or worse, a leak creeping through your ceiling—you’ve probably asked yourself: Is a roof replacement something my insurance will cover?
At Artisan Quality Roofing, we get this question all the time from homeowners across Apex, Cary, Raleigh, and the greater Triangle area. The short answer? Sometimes yes—but it depends. Here’s how to know what to expect, and how to protect your wallet (and your peace of mind).
When will insurance cover a roof replacement?
Most insurance policies step in when the damage is caused by something sudden and unexpected—like wind, hail, lightning, or a tree branch crashing onto your roof during a storm. But if your roof is simply old and tired? Or damage came from years of wear and tear? That’s usually not covered.
The key is whether your policy includes:
- Replacement Cost Value (RCV) – This covers the full cost of a new roof, minus your deductible.
- Actual Cash Value (ACV) – This factors in depreciation, which means your payout may be lower if your roof has some age on it..
What Adjusters Look For When Looking for Damage.
When it’s time to file a claim, your insurance company will take a close look at:
- What caused the damage? (Storm-related? Accidental? Old age?)
- How old is your roof?
- Was it well maintained?
- Do you have documentation? (Photos, inspection reports, estimates)
That’s where a local, experienced roofer can make a big difference. At Artisan Quality Roofing, we’ve helped countless homeowners through this process—starting with a free inspection and clear photos to support your claim.
Which Insurance Providers Often Cover Roof Replacement Near me?
Policies can vary, but these insurance companies are known for covering storm-related roof damage in North Carolina:
- Allstate: Offers both RCV and ACV policies and is transparent about age restrictions.
- Nationwide: Known for good customer service and familiarity with NC storm claims.
- USAA: A great option for military families with solid claims responsiveness.
- Lemonade: Newer on the scene, but tech-forward and quick with straightforward claims.
- Erie Insurance: Provides actual cash value and replacement cost options. They offer flexible coverage based on your home’s age and condition.
- Amica Mutual: Known for top-tier customer service and customizable policies, including roof replacement under covered perils.
- NC Farm Bureau: Offers roof coverage for common risks like wind and hail. Many policies use actual cash value by default unless you upgrade.
- Travelers: Offers comprehensive homeowners policies with optional roof replacement cost coverage, and a strong reputation for claims handling.
Why So Many Homeowners Trust Artisan Quality Roofing
Whether you’re in Apex, Cary, Durham, or Raleigh, we believe roofing should be transparent, honest, and low-pressure. We work closely with insurance adjusters to advocate for our customers and provide honest feedback about whether it’s time to repair or replace.
Our team lives here too. We know the weather, the neighborhoods, and what insurance companies expect from a solid inspection report.
Bottom Line? Don’t Wait for the Next Storm.
If your roof has seen better days—or you just want a professional set of eyes to check for damage—we’re happy to help. Reach out anytime for a free roof inspection. Whether you’re dealing with storm damage or just want peace of mind, our team at Artisan Quality Roofing is here to help—with honest answers, expert inspections, and the guidance you need to take the next step.
️
