If you’re a homeowner in Orlando and your roof suddenly starts leaking after a big storm, one of your first questions is probably: “Will my homeowners insurance cover this?” The short answer is—it depends. But don't worry, we’ll break it down clearly so you know what’s covered, what’s not, and how to make the most of your policy when it comes to replacing your roof. Let’s Start with What’s Typically Covered Most homeowners insurance policies in Florida will cover roof replacement if the damage is caused by something sudden and accidental. Think hurricanes, windstorms, hail, or even a tree crashing down during a thunderstorm. If the cause of damage is listed as a covered peril in your policy, then your insurer is likely on the hook for a new roof—minus your deductible, of course. But here’s the catch: if your roof is showing its age or the damage is due to neglect or lack of maintenance, insurance likely won’t help. Insurance companies consider routine wear and tear your responsibi...