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Does Farmers homeowners insurance cover roof replacement after hail?

Home insuranceHow to fileChecked Nov 6, 2026

From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: Texas Department of Insurance · Insurance and your roof · page text View original ↗

In short

  1. Hail damage is often covered. Wear and tear is not.
  2. Check if your roof is paid at "replacement cost" or "actual cash value."
  3. Check your wind and hail deductible. It may be bigger.

What this means

We have not opened Farmers' own policy, so its exact roof terms are "Don't know yet" here. Your declarations page and policy show them. Here is how roof coverage usually works, per the Texas Department of Insurance [1].

Replacement cost coverage pays up to the full cost to repair your roof at today's prices. Actual cash value coverage pays less if the roof is older or worn. As roofs age, some companies switch roofs to actual cash value at renewal [1]. With replacement cost, the company pays with two checks: a first partial payment, and the rest after you start repairs [1]. Your insurer won't pay for a new roof just because it is old or worn out [1].

Ask whether your wind and hail deductible is different from your other deductible. If it is, you may pay more out of pocket after a storm [1]. In Texas, once the insurer has all the papers it asked for, it must accept or reject in writing within 15 business days, and pay within 5 business days after it agrees to pay [2][3].

Your next step

Find your declarations page and note the roof settlement type and the wind/hail deductible. Report the hail damage soon, with dated photos. The sources give no filing deadline for Farmers; check your policy.

Check it yourself

Read your declarations page and any "roof surfacing" or "wind and hail" endorsement. Farmers' own terms and any state "roof schedule" rules: "Don't know yet".

Where this comes from (3)

  1. [1] Texas Department of Insurance · Insurance and your roof · page text · checked 2026-11-06

    Some policies pay up to the full cost to repair your roof at current prices. This is called replacement cost coverage. Some policies pay less if the roof is older or showing wear. This is called actual cash value coverage. When you renew your policy, check to see if there are changes to your roof coverage. As roofs age, some companies will switch to actual cash value. … Ask your agent if the deductible for wind and h…

  2. [2] Texas Legislature · Insurance Code ch. 542 · Sec. 542.056(a) · checked 2026-11-06

    an insurer shall notify a claimant in writing of the acceptance or rejection of a claim not later than the 15th business day after the date the insurer receives all items, statements, and forms required by the insurer to secure final proof of loss.

  3. [3] Texas Legislature · Insurance Code ch. 542 · Sec. 542.057(a) · checked 2026-11-06

    if an insurer notifies a claimant under Section 542.056 that the insurer will pay a claim or part of a claim, the insurer shall pay the claim not later than the fifth business day after the date notice is made.

How we found this

We matched your question to 3 official sources, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.

What we don’t know yet

Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.

Every answer is checked against the official rule it quotes.

Information only — not legal advice. Your plan, insurer or agency decides.

This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.

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