Does homeowners insurance cover roof replacement in Maryland?

Short answer: yes — if a covered peril like hail or wind caused the damage, your Maryland homeowners policy typically pays to repair or replace the roof, and you pay only your deductible. The catch is in the details, and a few of them decide whether you get a full new roof or a denial.

When insurance covers it (and when it doesn't)

Covered: sudden, accidental damage from a storm — hail bruising, wind-creased or torn shingles, a tree limb through the deck. Not covered: gradual wear, age, poor maintenance, or pre-existing damage. This is the single most important distinction, and it's why you document a specific storm date and get the damage inspected promptly — wait too long and a covered claim gets reclassified as "wear and tear."

RCV vs. ACV — the number that decides your out-of-pocket

• RCV (Replacement Cost Value): pays full replacement cost minus your deductible; the depreciated portion is released after the work is done. Most modern policies.
• ACV (Actual Cash Value): pays the depreciated value only — a bigger gap you cover. Common on older roofs or stripped-down policies.

Find these on your declarations page before you file. It changes the math entirely.

How United Developers makes coverage actually happen

Insurers don't pay what you don't document. We inspect for free, photograph every legitimate sign of storm damage, and — critically — meet your adjuster on the roof so the approved scope reflects a complete, code-compliant roof instead of a patch. When the first scope misses items (it often does), we file the supplement. The result for most homeowners: a full new roof for the cost of the deductible. Here's the full claim process, step by step.

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