What is the biggest roof coverage gap?

For many homeowners it is the combination of a high percentage wind/hail deductible and ACV-only settlement on an aging roof—leaving little or no net payment after a storm.

How often should I review this checklist?

At every renewal and after any major roof work. Also review when you move to a new state—roof rules and matching laws differ.

Guide

Roof Coverage Gaps Checklist (Homeowners Policy)

A printable-style checklist of roof coverage gaps: deductibles, ACV/RCV, cosmetic exclusions, matching, ordinance and law, and age schedules.

Updated February 15, 2026

Use this checklist when you buy, renew, or review a homeowners policy. Each item is a common reason roof claims pay less than expected—or not at all.

Deductibles and limits

Standard all-peril deductible amount
Separate wind/hail or named storm deductible (flat or %)
Dwelling limit adequate for full re-roof at current prices
No unexpected roof sublimit

Settlement and roof age

RCV available for your roof age and material
Roof surfacing or payment schedule identified
Depreciation holdback rules understood
Maintenance exclusions reviewed

Exclusions and endorsements

Cosmetic damage exclusion present or absent
Matching of undamaged materials addressed
Ordinance or law limit adequate for full re-roof code costs
Wind/hail excluded on older roof surfaces

Frequently asked questions

What is the biggest roof coverage gap?: For many homeowners it is the combination of a high percentage wind/hail deductible and ACV-only settlement on an aging roof—leaving little or no net payment after a storm.
How often should I review this checklist?: At every renewal and after any major roof work. Also review when you move to a new state—roof rules and matching laws differ.