Does homeowners cover roof replacement?

Most homeowners' insurance policies cover the replacement of the roof if the damage is the result of an act of nature or an accidental event. Most homeowners' insurance policies will not pay to replace or repair a roof that gradually deteriorates due to use or negligence.If the damage is caused by an act of nature or a sudden event, most homeowners insurance policies will cover roof replacement. Most homeowners insurance policies won't pay to replace or repair a roof that's gradually deteriorated due to wear and tear or neglect.