Roof Claims Explained: ACV vs Replacement Cost Coverage

Are you experiencing damage to your roof because of wind or hail? Homeowners insurance companies often have confusing rules about these kinds of claims so we created a video that walks you through the process.
We'll explain the possible coverage options and break down an example claim scenario. When the video is complete, you'll have a great idea of what to expect from your insurance company when dealing with a roof claim.
Here are some highlights:
WHY DO INSURANCE COMPANIES HAVE DIFFERENT RULES FOR YOUR ROOF?
More than 40% of all homeowner’s insurance claims involve wind damage or hail damage to the exterior of a home. The vast majority of those claims involve the roof.
That means insurance companies are motivated to limit their risk with specific coverage options for your roof. So they’ve created a completely separate name for the kind of damage that usually happens to your roof - Wind/Hail Coverage
PEOPLE INVOLVED IN A ROOF CLAIM
1. You - Obviously
2. Roofing Contractor - The people that fix your roof
3. Insurance Adjuster - The insurance company representative that makes decisions and cuts checks
STEPS IN A ROOF CLAIM
1. Get an estimate from a reputable, local roofer
2. File an insurance claim
3. Meet with Insurance adjuster
TYPES OF WIND/HAIL COVERAGE
1. None At All
2. ACV Coverage - Pays less if your roof is older
3. Replacement Cost Coverage - Pays the cost of replacing your roof minus your deductible
ROOKIE MISTAKE
Being Mean to the Insurance Adjuster
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