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Does Insurance Cover Blown Shingles in Arizona?

Part of my roof is gone due to wind damage. Will my Homeowners policy cover it?

YES! The majority of home insurance policies and property coverage provide coverage for windstorm damage to your house, as well as other structures and personal belongings, subject to your deductible.

The insurance company faces some unique issues when it comes to settling a damaged roof. Roofing materials discolor over time and have an average lifespan of 20 to 30 years. It might be tough to match the color of the shingles that fell off the roof.

The homeowner’s policy does not cover the cost of a new roof, despite the fact that it may be damaged from a fallen tree. The home insurance policy is required to repair or replace the damaged roof, whichever is less and regardless of aesthetic concerns.

In most cases, replacing the entire side of a roof is sufficient. The majority of roofs can be easily repaired if the shingles match. If the damaged region is large or the shingles are not sufficiently similar, the whole side of the roof will be replaced with as near to a cosmetic match as possible.

However, only the damaged portion of the roof is replaced, not the undamaged side. If a home owner’s roof is near to its end of useful life, many choose to replace the unaffected side at their own expense.

Are you covered if your house suffers wind damage? Yes, most homeowners policies are available for Replacement Cost settlement.Yes, the insurance provider will pay the full cost to repair or replace the damaged area of roof without taking depreciation into account.

What Is The Most Common Type of Homeowners Insurance?


The most popular homeowners insurance policy form is the HO-3, also known as a “special form.” The National Association of Insurance Commissioners says that this is the case.

Your house’s structure is covered by an HO-3 “open peril” policy. This means your coverage will pay for repairs if your home is damaged by any hazard, unless that hazard is specifically excluded from the policy. Named peril coverage, on the other hand, protects personal belongings (such as furniture, electronics, and clothing).If the peril is not listed, it is not covered.

The HO-3 form helps cover up to 16 named perils. These include:

  • Fire and smoke
  • Lightning strikes
  • Windstorms and hail
  • Explosions
  • Vandalism and malicious mischief
  • Damage from an aircraft, car or vehicle
  • Theft
  • Falling objects
  • Weight of ice, snow or sleet
  • Water damage


An HO-1, often known as a “basic form,” is a policy that protects you against ten risks (versus the sixteen risks covered by an HO-3). For example, falling objects or the weight of ice are perils not covered by an HO-1 form.


An HO-2, or “broad form,” offers limited protection. It’s called a “broad form” because it may help protect you against perils to which the HO-1 “narrow form” cannot.


This sort of form helps keep older houses safer. It covers up to 10 risks, as determined by the III. However, instead of replacement cost, the reimbursement for any covered damage is paid on a real cash value basis, according to the III. This implies that an insurer will reimburse you for what the cost of the item was minus depreciation.


An HO-4 is a type of renters insurance policy. This form helps safeguard a renter’s personal belongings against 16 perils, according to the III. The rental unit is not covered by an HO-4. To assist protect the structural integrity of the rental property, the tenant’s landlord would need a separate landlord insurance policy.


A condo insurance policy is most often written on a HO-6 form. It may be referred to as “walls-in” coverage because it covers the condo’s walls, floors, and ceilings against 16 perils. The owner of the condo may also benefit from an HO-6 since it protects his or her personal belongings.


The most common form for home insurance is the HO-7. It protects the personal belongings and structure of the property. An HO-2 is a modified version of an HO-7. The perils covered by an HO-7 may differ from those covered by a regular HO-2.

Is My Arizona Roof Covered By My Homeowners Insurance?

If you are not sure what type of homeowners insurance policy you have, but you have a damaged roof, give us a call and we’ll help you figure out the best way to pay for your roof repair or roof replacement in Arizona. Our expert roofers have been helping homeowners get their roof fixed for over 10 years and would be happy to help you get your insurance to pay for it. Call Arizona Roof Doctors today for a free roofing quote (602) 892-9885