Roofing is one of the more difficult repairs to do for your home, and that doesn't just cover the materials, either. The truth is that it's a tedious job, which is why the cost of repairs is so high. Sadly, roofing isn't immortal and that means that you will eventually run into problems once in a while. When this happens, it could be due to wear and tear. It also could be a result of a sudden accident---like a tree branch falling on your home. Regardless of the cause of the roofing problem, it's often a sign that you need to call your insurer. But does homeowners insurance cover roof replacement all the time, or is it just for major storms? As it turns out, roof replacement isn't that clean-cut, and you might need to know a little more before you pick up the phone for a claim...