❓ Is My Roof Fully Covered?

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The short answer: It depends on your policy — and policies have changed a lot in recent years.

There was a time when most homeowners insurance policies offered full replacement cost coverage for your roof. That meant if your roof was damaged by a covered peril (like wind or hail), the insurance company would pay to replace it in full, minus your deductible.

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But today, it’s not so simple.

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Many policies have become more a la carte — meaning different parts of your home may be covered in different ways. Your roof, in particular, might have its own separate limitations.

Here are a few common scenarios we see today:

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🔎 1. ACV-Only Coverage (Actual Cash Value)

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Some policies only cover your roof at ACV, which means the insurance company deducts for depreciation — based on age and condition — and only pays the remaining amount. That could leave you with thousands out of pocket, even if your claim is approved.

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📉 2. Sliding Scale Coverage

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Other policies offer tiered coverage, reducing the amount they’ll pay as your roof gets older. For example:

• 100% coverage for roofs under 5 years
• 75% for roofs between 6–10 years
• 50% or less for roofs over 10 years

🧩 3. Partial Coverage for Matching

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Some policies might cover the area of your roof that was directly damaged in full — but only offer a percentage of coverage (or even exclude coverage) when additional shingles need to be replaced for matching purposes. This can be a big deal if repairs are highly visible or affect the overall appearance of your home.

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📝 So What Should You Do?

1. Review your policy — Look for terms like “ACV,” “matching limitations,” or “roof surfacing loss settlement endorsement.”
2. Ask questions — If you're unsure, reach out to your agent or a trusted claims professional.
3. Document everything — If damage occurs, take clear photos right away, and don’t authorize repairs before your inspection.

At Happy Adjuster, we help homeowners decode their policies, understand what’s covered, and make sure nothing gets overlooked when it comes time to file a claim.

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📲 Need help reviewing your coverage or a roof damage estimate?
Book a virtual consult at: http://www.happyadjuster.pro

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