# Home insurance claim for roof **URL:** \ **Category:** Insurance\ **Created:** [April 30, 2026, 5:07pm UTC](https://community.clark.com/t/home-insurance-claim-for-roof/9224 "2026-04-30T17:07:57Z")\ **Posts on this page:** 3\ **Page:** 1
**Author:** ![pdk](https://avatars.discourse-cdn.com/v4/letter/p/977dab/32.png) [@pdk](https://community.clark.com/u/pdk)\ **Post date:** [April 30, 2026, 5:07pm UTC](https://community.clark.com/t/home-insurance-claim-for-roof/9224/1 "2026-04-30T17:07:57Z")
Hello, My home insurance company told me I had to replace my roof or they would drop me. I did replace it. $19,500. Then, they were a pain about me documenting proof. I’m thinking about dropping them out of principle. I already have a quote from another company. Do I file a claim for the roof since they made me do it, then drop them? I’m trying to think about how this could backfire. Thanks, Paul ---
**Author:** ![kcflyer](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/kcflyer/32/3346_2.png) [@kcflyer](https://community.clark.com/u/kcflyer)\ **Post date:** [May 1, 2026, 12:16pm UTC](https://community.clark.com/t/home-insurance-claim-for-roof/9224/2 "2026-05-01T12:16:26Z")
More and more insurers are reducing coverage or dropping people with an older roof. If you file a claim it is doubtful that they would pay for it. ---
**Author:** ![SonoranSilkies](https://avatars.discourse-cdn.com/v4/letter/s/a183cd/32.png) [@SonoranSilkies](https://community.clark.com/u/SonoranSilkies)\ **Post date:** [May 5, 2026, 12:52pm UTC](https://community.clark.com/t/home-insurance-claim-for-roof/9224/3 "2026-05-05T12:52:05Z")
Roof repair is typically covered for storm damage, not for age or condition. So your company requiring replacement is not grounds for a claim. If you have a better company in mind, sure, change. But be sure to first do your research on that company.