If you had some roof tiles torn off due to wind damage will your insurance cover the cost of replacing the whole roof?

Answer

Kathleen, the short answer is "NO." Homeowners policies do not contain coverage for "match" issues. Your policy says the company will pay "to repair or replace the damaged property with material of like kind and quality"(language varies by state). Technically, they owe to replace the individual shingles or tiles that were damaged by a covered peril (wind, hail, etc)unless your shingles are old, brittle, and cannot be repaired. In that case, the company must pay to replace the affected slope(s). Over the years, lawsuits established precedents..claims settlement statutes... in each state. These guidelines address match as well as other issues. In some states it is customary to replace only the individual shingles, unless there is a repairability issue or mechanical mismatch which makes it impossible. In some states, it is customary to replace only the slopes containing damage. In other states, line-of-sight guidelines prevail - this allows replacement of roof covering on one or more elevations (N,S,E,W).

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