Yes, homeowner’s insurance in Utah can pay for roof replacement—but only if the damage is caused by a covered event like hail, wind, or falling debris. Damage from normal wear and tear, neglect, or age is typically not covered.
Let’s break down what’s usually included, what’s excluded, and how to navigate the claim process.
What Roof Damage Is Covered by Insurance in Utah?
In most standard policies, the following types of damage are covered:
- Hail damage (very common in Utah’s storm season)
- Wind damage (especially near mountain ranges)
- Falling tree branches or debris
- Fire and lightning damage
- Sudden, accidental leaks caused by weather
If your roof is newer and the damage is sudden, your chances of coverage increase.
What’s Not Covered?
Insurance typically does not cover:
- Old roofs (15–25+ years) with wear and tear
- Leaks due to poor maintenance
- Mold or rot caused by long-term water exposure
- DIY repairs or previous improper installation
- Cosmetic issues without structural damage
In short: if it’s preventable, it’s probably not covered.
How to Tell If Your Roof Damage Qualifies
Here’s a simple checklist to help you assess whether your roof damage might be covered by insurance:
✅ Was the damage caused by a recent storm or weather event?
✅ Is the roof under 20 years old?
✅ Do you have photos or documentation of the event?
✅ Have you had a professional inspection confirming the damage?
If you can answer “yes” to most of these, it’s worth filing a claim.
How to File a Roof Replacement Claim in Utah
- Document the Damage
Take clear photos of your roof, gutters, ceilings, and any affected areas inside the home. - Call a Local Roofing Contractor First
Before contacting insurance, get a professional inspection and quote. At Utah Roof Replacement, we’ll help document your damage and confirm whether it’s likely to be approved by your insurer. - Contact Your Insurance Company
File a claim with your provider. They may send an adjuster to confirm damage. - Submit All Documents
Send in inspection reports, photos, repair estimates, and any storm records. - Get Approval and Start Work
Once your claim is approved, your contractor can begin the roof replacement.
Utah-Specific Tip
If you live in hail-prone areas like Davis County, Tooele, or Utah County, ask your insurance company about impact-resistant roofing discounts. Installing Class 4 shingles may reduce your premium while protecting your home long-term.
Let Us Help You Get It Covered
At Utah Roof Replacement, we work with homeowners across the state to navigate insurance claims and match them with reliable, licensed contractors. From inspection to documentation to installation, we’re with you every step of the way.
Need help with your insurance claim? Get a free inspection and estimate today.