Hi Bryce, I'm not sure, but I doubt that your homeowner's insurance would 
cover something like that.

Even the most comprehensive insurance will not cover what appears to be 
caused by normal wear and tear.

Besides, I doubt you would want to claim for something that may cost you 
only a couple of hundred bucks to repair, causing your premium to possibly 
double as a result of your claim history getting ruined.

I would first get an estimate and reason as to why this happened, then find 
out if your insurance would cover it.

Also remember, your deductible may be higher than the price to repair the 
roof, so you may end up footing the entire bill anyway.

Victor Gouveia 



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