Is your roof damage actually covered?
Roof claims are where insurers tighten the screws. CoverageIQ shows you what your policy really pays.
Analyze my policyRoofing is the most contested line in homeowners insurance. Carriers distinguish hard between sudden storm damage (usually covered) and gradual wear (excluded), and many policies now pay roofs at actual cash value — subtracting years of depreciation — or cap older roofs entirely. Two homes on the same street with the same damage can get wildly different payouts based purely on policy wording.
What CoverageIQ checks for you
- Whether your roof is covered at replacement cost or depreciated actual cash value
- Roof age schedules or 'roof surfacing' endorsements that cap payouts on older roofs
- Wind/hail deductibles, which are often a percentage of dwelling value, not a flat amount
- Cosmetic-damage exclusions that deny dented-but-functional metal and shingle claims
- Wear-and-tear and maintenance language insurers use to reclassify storm damage
See exactly what your policy covers
Upload your policy before you file — knowing your roof terms changes how you document the claim.
Analyze my policyNo agent · No sales call · Minutes, not days
Frequently asked questions
Does homeowners insurance cover roof replacement?
It covers roof replacement when the damage is from a covered peril like wind or hail — but how much you receive depends on whether your policy pays replacement cost or actual cash value, and whether an age schedule caps older roofs. Wear-and-tear and gradual deterioration are not covered.
Why did I only get part of my roof claim paid?
Usually because the policy pays actual cash value, which subtracts depreciation based on the roof's age, or because a wind/hail deductible (often 1–2% of your home's value) was applied. Some policies hold back depreciation until the work is completed and you submit proof.
What is a roof age schedule?
A clause that reduces the payout on roofs over a certain age — sometimes paying only a fraction of replacement cost on a roof 15+ years old, regardless of its condition. It's increasingly common and easy to miss. CoverageIQ flags it directly.
What's a recoverable depreciation holdback on a roof claim?
Many replacement-cost policies first pay actual cash value, then release the withheld depreciation once you complete the repair and submit invoices. The money is yours — but only if you file the second step. Missing it leaves thousands unclaimed.
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