What this site is for
Sudden damage is covered, wear is not
Almost every denial turns on that one distinction, and almost every policy defines it differently.
Actual cash value is the trap
Replacement cost value pays for a new roof. Actual cash value pays for your old one, depreciated, and the gap is yours.
Roof age changes everything
Past a certain age many carriers move you to actual cash value, raise the deductible, or decline to renew at all.
About this reference
We explain policies. We do not handle claims
Filing, negotiating or settling a claim on your behalf is public adjuster work and it requires a licence. We do not do it and we do not refer you to anyone who pays us.
What we can do is explain the words in your policy before you need them.
Your policy and your state's rules decide your situation. Nothing here is legal, financial or insurance advice.
Read our methodologyThe pillars
Where to start
Most read
The guides opened most, and the ones we update most often.
Read your policy in ten minutes
The six clauses that decide a roof claim, where to find each one, and what the wording means.
Open it- Valuation: RCV or ACV
- Wind and hail deductible
- Roof surfacing endorsement
- Ordinance and law
- Cosmetic damage exclusion
- Notice and reporting deadlines