Do all homeowners insurance require over 50% of roof be damaged to cover storm damage replacement?

No, not all homeowners insurance policies require that over 50% of a roof be damaged to cover storm damage replacement. The amount of damage required to trigger coverage for storm damage replacement will depend on the specific terms and conditions of your policy. Some homeowners insurance policies may require a certain percentage of damage, such as 25% or 33%, while others may not have a specific threshold and may cover storm damage regardless of the amount of damage. The policy will specify the covered perils, including wind and hail, that may cause damage to your roof. It's important to note that even if your policy covers storm damage replacement, there may be limitations or exclusions that affect your coverage. For example, your policy may exclude coverage for damage caused by certain perils, such as floods or earthquakes, which would require separate insurance coverage. Additionally, some policies may require that you meet certain obligations to maintain the roof in good condition, such as regular inspections or repairs, in order to be eligible for coverage. If you fail to meet these obligations, the insurance company may deny your claim. When considering homeowners insurance, it's important to review the policy terms and conditions carefully and speak with your insurance agent to understand the coverage provided and any limitations or exclusions that may affect your coverage. You may also want to consider adding additional coverage or endorsements, such as roof replacement coverage, to provide additional protection for your roof in the event of storm damage.