Roof insurance, in plain language

What your policy actually covers

Coverage, policy terms, roof age, premiums and commercial cover. General information rather than advice, and an introduction to a licensed partner when a claim needs one.

Start with coverage

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.

RCV vs ACVThe single term that decides how much of a roof you get paid for

Your deductibleWind and hail often carry a separate one. It is on your declarations page, not on a website

Age is a factorCarriers ask how old the roof is and what shape it is in. Both are worth documenting

Wear is excludedPolicies are written for sudden damage, not for a roof getting old. Read your exclusions

About this reference

We explain the policy. A licensed partner takes the claim

Filing, negotiating or settling a claim on your behalf is public adjuster work and it takes a license we do not hold. Where your claim needs it, we introduce you to a partner who is a licensed public adjuster or an attorney in your state, and they take it up with you directly.

What we do ourselves is explain the words in your policy before you need them, and inspect and document the roof they apply to.

Your policy and your carrier decide what is covered. Nothing here is legal, financial or insurance advice, and nobody can promise an outcome.

Read our methodology

The pillars