Understanding Roof Coverage in Your Homeowners Insurance

Your roof is one of the most important parts of your home, protecting everything underneath it. But when damage occurs—whether from a storm, hail, or fallen tree—does your homeowners insurance cover the cost? Understanding how your policy handles roof damage can help you avoid unexpected expenses.

How Does Homeowners Insurance Cover Roof Damage?

Homeowners insurance typically covers roof damage caused by sudden, accidental events, like windstorms, hail, or fire. However, general wear and tear or damage due to lack of maintenance is usually not covered.

Policies vary, so it’s essential to know whether your coverage includes Actual Cash Value (ACV) or Replacement Cost Value (RCV) when it comes to your roof.

ACV vs. RCV: What’s the Difference?

• Actual Cash Value (ACV): Covers the depreciated value of your roof. This means the older your roof is, the less you’ll receive in a claim payout.
• Replacement Cost Value (RCV): Covers the full cost to replace your roof with a similar one, without deducting for depreciation.

Knowing which type of coverage you have can make a big difference in what you pay out-of-pocket if your roof needs repairs or replacement.

Reviewing Your Policy is Important

Understanding your roof coverage now can prevent surprises later. At Etler-Kettenacker Agency, we’ve been helping homeowners with their insurance needs since 1975. If you’re unsure about your current coverage, we welcome you to reach out to us. One of our agents would love to review your policy with you and help ensure you have the right protection in place.

We’ve made it easy for you to start the conversation—simply send us a copy of your current policy using the button below. Let us help you gain peace of mind knowing your home is properly covered!