Homeowners insurance covers roof replacement if the damages are caused by a covered peril such as fire, wind, or hail storm. Your insurer might refuse to renew the policy if your roof is 20 years or older and it doesn’t pass a roof inspection. Homeowners insurance will provide roof insurance coverage for repairs or replacement if the damage. If ever there are missing shingles, you can head to your local builders depot and get the appropriate shingle that you can replace your shingle with. Remove.

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