What Type Of Insurance Do I Need For My Roof?

Your roof is one of the most important parts of your home—it protects everything beneath it from Texas storms, wind, and hail. But when damage occurs, understanding how insurance works can be confusing. Homeowners often wonder which policies cover roof repairs or replacements and what type of protection they truly need. At Castex Roofing, we help Waco homeowners navigate roofing insurance with confidence. Here’s what you should know about the types of insurance that can safeguard your roof and your investment.

1. Homeowners Insurance (HO-3 Policy)

Most homeowners rely on a standard homeowners insurance policy, also known as an HO-3 policy, to cover roof damage. This policy protects your home against sudden and accidental damage caused by events like:

• Hail and windstorms

• Fire or lightning

• Falling trees or debris

• Vandalism or accidental impact

If your roof is damaged by one of these covered perils, your insurance may pay for repairs or full replacement, depending on the extent of the damage and your policy’s terms. However, normal wear and tear or neglect—such as aging shingles, poor maintenance, or gradual deterioration—are not covered.

2. Roof Replacement Cost vs. Actual Cash Value

When it comes to roofing claims, how your insurer calculates compensation makes a big difference. There are two main types of coverage:

• Replacement Cost Value (RCV): Covers the cost to replace your damaged roof with new materials of similar quality, without deducting for depreciation.

• Actual Cash Value (ACV): Pays the depreciated value of your roof, factoring in its age and condition.

While RCV policies typically have higher premiums, they also provide better financial protection. If your roof is older, your insurer may only offer ACV coverage or limit reimbursement to partial costs. It’s important to review your policy with your insurance agent to understand which type you have.

3. Hail and Wind Deductibles

In Texas, hail and wind are among the most common causes of roof damage. Many policies include a separate deductible for these events, often calculated as a percentage of your home’s insured value. For example, a 2% wind and hail deductible on a $300,000 home means you’d pay $6,000 out of pocket before coverage applies. Knowing your deductible amount in advance helps you prepare for unexpected repairs.

4. Commercial Roofing Insurance

If you own a business or commercial property, standard homeowners insurance won’t apply. You’ll need a commercial property insurance policy that includes roof coverage. This policy protects against similar perils—such as wind, fire, and hail—but may also offer additional options like business interruption coverage, which helps offset income loss during roof repairs.

5. Roof Warranties vs. Insurance

It’s important to understand that manufacturer or contractor warranties are not the same as insurance. A warranty covers defects in materials or workmanship for a set period, while insurance covers unexpected damage caused by external events. At Castex Roofing, we offer workmanship warranties to complement your insurance coverage—ensuring you’re protected from both manufacturing issues and storm damage.

6. Document and Maintain for Peace of Mind

The best way to ensure a smooth insurance claim process is through regular maintenance and documentation. Schedule annual roof inspections, especially after severe weather, and keep detailed records of all repairs, invoices, and photos. This documentation can be invaluable when filing a claim and helps prove that your roof was in good condition before the damage occurred.

Protect Your Roof with Castex Roofing

Having the right insurance coverage is just as important as having a quality roof. Understanding your policy’s details, deductible, and coverage type ensures you’re prepared before the next Texas storm hits.

At Castex Roofing, we help homeowners and business owners in Waco navigate roofing insurance claims with ease—from inspection to replacement.

Contact Castex Roofing today for a professional roof inspection and guidance on protecting your home with the right insurance coverage.