Will Homeowners Insurance Cover Shingles Blown Off Roof? 
A roof has a shorter life span than the rest of the house . As a result many insurance companies do not provide replacement coverage for a roof . Instead they determine the life of the roof and repair the roof under the policy using the cash value of the roof . If a $ 15000 roof has $ 5000 of damage and is midway through its life , you could expect a settlement that would help repair your roof but would not replace the roof . 