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Roof Insurance Guides
Expert guides to help you understand your coverage, navigate the claims process, and protect your home after storm damage.
Insurance Fundamentals
Understanding your coverage, deductibles, and policy terms
ACV vs RCV: Which Roof Insurance Coverage Do You Have?
Understanding the difference between Actual Cash Value and Replacement Cost Value coverage can mean thousands of dollars in your claim settlement.
Understanding Your Wind/Hail Deductible
Your wind/hail deductible may be different from your standard homeowner deductible. Learn how percentage deductibles work and what to expect.
What Is Ordinance and Law Coverage?
Building codes change over time. Ordinance and law coverage helps pay for upgrades required to meet current codes during repairs.
Cosmetic Damage Exclusions Explained
Some policies exclude cosmetic damage to metal roofs. Learn what this means for your claim and how to identify this exclusion.
How Roof Age Affects Your Claim
Your roof age impacts depreciation, coverage type, and claim approval. Here is what homeowners need to know.
Assignment of Benefits: Pros and Cons
AOB lets contractors deal directly with your insurer. Understand the benefits and risks before signing.
What Is Depreciation in Roof Claims?
Depreciation reduces your claim payout based on your roof age. Learn how it is calculated and whether you can recover it.
Reading Your Declarations Page
Your declarations page contains critical coverage information. Learn how to find and understand the key sections.
Claims Process
Step-by-step guides for filing and managing your claim
Step-by-Step: Filing a Roof Insurance Claim
A complete walkthrough of the roof insurance claim process, from initial damage discovery to final payment.
What to Expect from the Adjuster Visit
Prepare for the insurance adjuster inspection with this guide on what happens, what to ask, and how to advocate for your claim.
Documenting Roof Damage for Your Claim
Proper documentation is the foundation of a successful claim. Learn what to capture and how to organize your evidence.
When to Consider a Public Adjuster
Public adjusters work for you, not the insurance company. Learn when hiring one makes sense for your roof claim.
Supplement Claims: Getting More Coverage Approved
Initial estimates often miss damage. Learn how to file a supplement claim and when it makes sense.
Roof Claim Timeline: How Long Does It Take?
Understanding typical claim timelines helps set expectations. Here is what to expect at each stage.
Storm Damage
Identifying damage and protecting your home
Signs of Hail Damage on Your Roof
Hail damage is not always obvious. Learn what to look for and when to call a professional.
Wind Damage vs Normal Wear: How to Tell
Insurance covers wind damage but not wear and tear. Learn to identify the difference.
Emergency Tarping After Storm Damage
Protect your home from further damage while waiting for repairs. Emergency tarping basics every homeowner should know.
After the Storm: First 48 Hours Checklist
The actions you take immediately after a storm impact your claim. Follow this checklist for the first 48 hours.
Hidden Roof Damage Adjusters Miss
Insurance adjusters have limited time. These commonly missed issues can add thousands to your claim.
Seasonal Storm Preparation Guide
Preparing your roof for storm season can prevent damage and strengthen your insurance claim if damage occurs.
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