Whether homeowner insurance covers the cost of a new roof depends on several factors. In general, homeowner insurance policies provide coverage for roof damage caused by sudden and accidental events, such as a fire, hailstorm, or falling tree. However, coverage may vary depending on the specific policy and the cause of the damage. It's important to review your policy documents or contact your insurance provider to understand the extent of your coverage. Additionally, most insurance policies have deductibles and coverage limits, so you may be responsible for a portion of the replacement cost. It's also worth noting that homeowner insurance typically does not cover roof replacement due to normal wear and tear or age-related deterioration. It's recommended to regularly inspect and maintain your roof to prevent any potential issues and to discuss the specifics of your coverage with your insurance provider.