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How do you get Homeowners Insurance to Pay for a New Roof? Hopefully you’re reading this before you need your roof replaced. If you need your roof replaced now, let us know and we’ll work with you and your insurance company to try and get it covered.  However, if you don’t need your roof replaced yet and your ceiling has caved into your living room from water damage, then these are the things you should do to make sure insurance covers your roof replacement: keep up with mainenance using a certified roofing contractor Don’t let your shingles stay on your