Roof Damage Coverage
Home Insurance Add-On
- Roof replacement cost coverage helps pay for damage from wind, hail and other unexpected covered events
- Receive payment for the roof’s actual cash value (ACV), or upgrade your policy to replacement cost value (RCV)
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What’s covered under replacement roof insurance coverage?
American Family Insurance’s base home policy provides ACV coverage for roofs. With this optional insurance, you can add RCV coverage for repairing windstorm and hail damage or full roof replacement.
Narrator: When it comes to homeowners insurance, equipping your roof with the right insurance coverage can help you avoid costly damage. So before your roof is hit with windstorm or hail damage, make sure you understand your roof coverage. Let's take a look at your options.
There are two types of coverages available for roof replacement—replacement cost value, RCV, and actual cash value, ACV.
On screen:
- RCV (Replacement Cost Value)
- ACV (Actual Cash Value)
Narrator: Replacement cost value is the amount it would cost to replace your roof today, meaning we will reimburse you for the full amount to repair or replace your roof, minus your deductible.
If your roof is eligible based on age and type, you can opt to have roof replacement cost value coverage for wind storm and hail damage.
On screen: RCV (Replacement Cost Value)
Full Reimbursement, Minus Deductible
Narrator: Actual cash value is what your roof is worth today, taking in consideration things like its age, condition, and type of roofing material. So what does ACV mean for you?
On screen: ACV (Actual Cash Value)
Narrator: Most likely a gap will exist between what it costs to repair or replace your roof versus the amount your insurance company will actually compensate you for after a covered loss. The result-- money out of your own pocket.
That's why considering RCV coverage for wind storm and hail damage is a smart decision. This coverage ensures you'll be adequately covered, and that gap won't exist if you file a claim.
On screen: RCV (Replacement Cost Value)
Narrator: Remember, if your roof is well-maintained, you'll typically have RCV coverage for damages caused by most other covered losses such as fire, fallen trees, leaks, and ice dams.
On screen:
- Fire
- Fallen Trees
- Leaks
- Ice Dams
Narrator: Have questions about your roof coverage? Contact your American Family Insurance agent for more information.
On screen: American Family Insurance
Talk to your American Family agent today
How Homeowners Roof Coverage Helps
Did you know?
Hail
Wind Damage
Unexpected Fires
Frequently Asked Questions
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*This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.
**For windstorms, replacement cost value coverage is available as an added extra coverage.
***Study of Life Expectancy of Home Components, National Association of Home Builders, https://www.hcmuddox.com/sites/default/library/nahb20study20of20life20expectancy20of20home20components.pdf (last visited October 13, 2023)
†Named stormed deductible applies only to GA.