Yes, homeowners insurance typically covers roof repair or replacement if the damage is caused by a sudden, covered event like hail, wind, falling trees, or fire.

It does not cover damage caused by normal wear and tear, aging, poor maintenance, or installation defects.

For example, storm damage from a wind event in Dayton would usually be covered, but a 22 year old roof simply reaching the end of its life would not be.

If your roof is not covered, financing is an excellent option.