Roofing Analysis & Consulting

# Spring Storm Alert: Is Your Insurance Ready? 📋🌪️

Spring storms are almost here, and if you haven't checked your homeowners insurance lately, you might be in for a shock. Insurance companies nationwide have quietly made MAJOR changes to policies that could leave you paying thousands out-of-pocket after a storm.

𝗗𝗼𝗻'𝘁 𝘄𝗮𝗶𝘁 𝘂𝗻𝘁𝗶𝗹 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝗱𝗮𝗺𝗮𝗴𝗲 𝘁𝗼 𝗹𝗲𝗮𝗿𝗻 𝘄𝗵𝗮𝘁'𝘀 𝗰𝗼𝘃𝗲𝗿𝗲𝗱!

Here's what homeowners need to know RIGHT NOW:

✅ New policies often include "cosmetic damage waivers" that won't cover dents or marks to siding or roofing that don't affect function

✅ Many companies have switched to "roof payment schedules" that dramatically reduce payments based on roof age

✅ "ACV on roof only" provisions mean you only get depreciated value, not replacement cost

✅ Higher wind/hail deductibles (often 1-2% of your home's value!) have become standard

✅ Some policies now exclude entire categories of storm damage unless you've purchased special endorsements

𝗛𝗲𝗿𝗲'𝘀 𝘄𝗵𝗮𝘁 𝘁𝗼 𝗱𝗼 𝗧𝗢𝗗𝗔𝗬:

1️⃣ . Pull out your policy and actually READ it (yes, the boring parts too)
2️⃣ . Look specifically for wind/hail deductibles and exclusions
3️⃣ Check if you have actual cash value (ACV) or replacement cost coverage
4️⃣ . Document your home's current condition with photos/videos
5️⃣ . Call your agent to discuss any concerns or gaps in coverage

Are you still not sure what your policy really covers? Call Mark Cook, a retired roofing contractor with over 30 years of experience, over a billion dollars worked in insurance claims, and a licensed public adjuster (License # 8431306) who can help you understand your coverage BEFORE disaster strikes.

Remember: You should understand your coverage BEFORE the storm hits, not while standing under a damaged roof wondering why your insurance will not pay.
Contractors are prohibited by law from negotiating with your insurance company. You are always responsible for paying your deductible.