Is Damage to My Roof Covered

Roofs Covered: 

Yes

Underwriting Restriction:

Yes

Roofing Details: 

Roofs of any age showing wear which may include severe lifting, curling, cupping, or deterioration will make a risk ineligible for roof coverage.

What Will I Have to Pay?

(My Out of Pocket)

Your deductible. A deductible is the part (or amount) of the claim you're responsible for. Insurance companies will deduct this amount from any claim settlement amounts they pay to you or on your behalf. So if your insurance policy has a $1,000 deductible, that means you've agreed to pay $1,000 out of your pocket for the damage to your home.

A deductible can be either a specific dollar amount or a percentage of the total amount of insurance. There are special deductibles that apply to certain types of claims; some deductibles are applied to specific parts of your home, like your roof. You can learn about the deductibles for your policy by looking at the declarations page or the front page of your homeowners' insurance policies.

Deductible - Policy or Specific

All peril deductible; however we offer an optional flat dollar and/or percentage wind/hail deductible.

Flat Dollar or Percentage

N/A

 

Deductible Amount Options

Dollar: $1,000-$10,000; percentage 1/2%-3%.
Wind/hail: Dollar: $1,000-$10,000;
percentage 1/2% - 3%.

Company Determined Deduct

N/A

How Will My Claim Be Calculated

RCV, ACV OR FRC:

Replacement Cost and Actual Cash Value

Options Determined by: 

Determined by the company based on age, condition, construction of the roof.

Criteria For Settlement:

Replacement cost settlement is based on the following criteria:

  • Architectural shingles, composition shingles, synthetic/plastic shingles, solar (photovoltaic) shingles: If the age of the roof is greater than 15 years, it is not eligible for RC.
  • Metal, fiber cement tile, clay tile and concrete tile: If the age of the roof is greater than 30 years, it is not eligible for this RC.
  • Slate: No age restriction.

Any Other Exclusions or Limitations

Please refer to HO 80 03 01 14 Homeowners Form: "Section I- How We Settle Losses B. Loss Settlement For Roofing System Under Coverage A- Dwelling And Coverage B- Other Structures: 3. We will not pay for any damage caused by hail to any metal roofing surface unless the metal roofing surface will no longer prevent water from entering the building. 4. We will not pay for any damage caused by hail to any metal vent, flashing, drip edge, ridge, valley, accessory, or trim unless such metal component..." "E. Loss Settlement For All Covered Property: 3. We will not pay to repair or replace any undamaged part of any system when any other part of such system is damaged by a covered loss." Please also refer to HO 81 26 01 15 Missouri Amendatory Endorsement: "Section I- How We Settle Losses Loss Settlement For All Covered Property: "1. We will not pay to refinish, repair, or replace any undamaged property that does not match new materials used to refinish, repair, or replace damaged property." Also see the following endorsements: HO 86 05 01 14, Roof Replacement Cost Coverage For Windstorm And Hail HO 88 02 01 14 Roof Surface Payment Schedule HO 85 06 01 14 Roofing System Exclusion For Windstorm, Hail, or Water Leaking