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) if eligible
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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.
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SPEAKER: 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.
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.
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 a ACV mean for you?
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.
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.
Have questions about your roof coverage? Contact your American Family Insurance agent for more information.
Examples: How Homeowners Roof Coverage Can Help
Just as a roof should protect everything under it, roof insurance coverage should protect the roof itself. Here are three examples of situations where it could prove helpful.
Did you know?
Hail
Wind damage
Unexpected fires
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* The information on this webpage represents only a brief description of coverages and is not part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.
**For windstorms, replacement cost value coverage is available as an added extra coverage.
***Named stormed deductible applies only to GA.