Does Homeowners Insurance Cover Roof Damage?

Homeowners insurance typically covers roof damage caused by sudden, unpreventable events like storms, fire, or falling trees. It does not cover damage from normal wear and tear, neglect, pest infestations, floods, or earthquakes without additional policies. Coverage depends on roof age, materials, and shape, with older or vulnerable roofs possibly facing higher premiums or denied coverage. Regular maintenance and inspections help prevent damage and maintain coverage eligibility.