08/27/2026
Your policy's roof coverage is usually buried in language that isn't easy to parse — and most homeowners don't read it closely until they're already filing a claim.
A few terms make a real difference in what you actually get paid: actual cash value vs. replacement cost, your deductible, what's excluded, and how wear-and-tear is handled. Swipe through for a plain-language breakdown of each one
This isn't legal or insurance advice — every policy is different, so always confirm the specifics with your agent. But if you want a second set of eyes on what your policy covers for roof damage, send us a copy and we'll help you make sense of it.