Yes, insurance companies do cover flat roofs, but the extent of the coverage may vary depending on the specific terms of your policy. In general, most homeowners insurance policies cover damage to the structure of your home, including the roof, caused by a covered peril such as wind, hail, or fire.
However, it’s important to note that some insurance companies may consider flat roofs to be higher risk than sloped roofs, due to their greater susceptibility to leaks and damage from standing water. As a result, some insurance companies may require higher premiums or more stringent underwriting requirements for homes with flat roofs.
It’s always a good idea to review your insurance policy carefully and speak with your insurance agent to understand the specific terms of your coverage. If you have concerns about the level of coverage for your flat roof, you may want to consider obtaining additional coverage or exploring other insurance options.