Is Damage to My Roof Covered
Roofs Covered:
Yes
Underwriting Restriction:
Yes
Roofing Details:
Roofs with clearly identified damage or condition issues and/or excessive wear, including more than moderate missing, cracked, crumbling or curling shingles. Patching or material conditions that affect the roof’s integrity may be present.
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; or a deductible for wind/hail if applicable.
Flat Dollar or Percentage
N/A
Deductible Amount Options
All peril: $50-$10,000
Optional Wind/Hail: $500, $1,000 or $2,000
Company Determined Deduct
N/A
How Will My Claim Be Calculated
RCV, ACV OR FRC:
Replacement Cost and Actual Cash Value coverage
Options Determined by:
Determined by the company based upon age, condition, construction of the roof.
Criteria For Settlement:
Criteria used to determine if an actual cash value settlement applies includes: Type of roofing surface; roof shows signs of age and wear and condition issues. Class D: severe lifting, curling cupping, or deterioration, regardless of age; Class C: lifting, curling, cupping, or minor deterioration, regardless of age.
Any Other Exclusions or Limitations
Please refer to the Missouri Amendatory Homewners Endorsement END. 584D(MO) Ed. 3/13. Summary: excludes coverage for damage caused by hail to any metal vent, flashing, drip edge, ridge, valley, accessory, or trim that is part of a roofing system, except if the damage results in water leakage into the structure; excludes coverage to repair or replace any undamaged part of any system when any other part of such system is damaged by a covered loss; excludes coverage to repair or replace undamaged property due to mismatch between undamaged material and new material used to repair or replace damaged material. Also see the following endorsements: Actual Cash Value Roof Coverings END 531 Ed. 12/09 Appearance Loss To Metal Roof Caused By Hail Exclusion Endorsement END 514 Ed. 11/08