State Farm Insurance

The world has changed a lot in the last 100 years. We've always taken a future-forward approach to developing products and solutions to meet your ever-changing needs. That's truer today than ever before. Here's how we're there when you need us most.

If your roof is deemed a total loss as a result of a covered claim, the base homeowners policy from State Farm includes loss settlement for your roof on a replacement cost basis.

It does not vary the loss settlement based on what type of loss has occurred.

We'll settle your roof claim at replacement cost (when the roof is actually replaced) regardless of whether it's damaged by fire, wind/hail or any other covered loss.

We do not require a larger deductible for roof losses.

If you use certain impact-resistant roofing products, like hail-resistant shingles or class 4 shingles, you may be eligible for a discount.3 Please check with your State Farm agent before installing a new roof.

See roofing material discounts

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