03/31/2026
š” TOPIC TUESDAY
Roof Age Matters More Than You Think.
Your roof is 15 years old.
A hailstorm hits.
Replacement cost = $20,000.
With Replacement Cost coverage, insurance pays the $20,000 (minus your deductible).
With Actual Cash Value or a Limited Roof Schedule, depreciation is applied.
That same roof might only pay out $8,000ā$12,000.
Youāre responsible for the rest.
Many carriers reduce roof coverage once it hits 10ā15 years old.
The good news? Some of the carriers I work with still offer full replacement cost options.
Do you know how your roof is covered? Letās review it.