Know What’s Over Your Head: A Quick Guide to Roof Coverage in Home Insurance

Your roof does a lot of heavy lifting—shielding your home from hail, wind, sun, and everything in between (this is Texas, after all). But when damage happens, do you know how your homeowners insurance handles roof repairs or replacements? Not all policies treat roofs the same, and understanding the fine print can make a huge difference when it’s time to file a claim.

Let’s break down the key terms every Central Texas homeowner should know.

1. Actual Cash Value (ACV) vs. Replacement Cost Value (RCV)

These are the two main ways insurers calculate your roof payout after a covered loss:

• ACV = Replacement cost minus depreciation. So if your roof is older, your payout may not cover full replacement.
• RCV = Covers the full cost to replace your roof with similar materials, minus your deductible.

💡 Tip: Many Texas insurers are shifting toward ACV on older roofs. If you’re not sure which your policy uses, it’s time to ask!

2. Wind and Hail Deductibles

In storm-prone areas like Georgetown, Cedar Park, and across Central Texas, many policies include separate wind and hail deductibles—often a percentage of your home’s value (not a flat dollar amount).

🏠 Example: If your home is insured for $300,000 and you have a 2% wind/hail deductible, you’d pay $6,000 out of pocket before coverage kicks in.

3. Roof Surface Types & Exclusions

Some policies reduce or exclude coverage based on your roof’s material or condition. For example:

• Cosmetic damage exclusions mean dents or discoloration (especially on metal roofs) might not be covered unless there’s actual functional damage.
• Limited coverage for older wood shake or tile roofs.

4. Maintenance Matters

Insurance is for sudden and accidental damage—not wear and tear. A neglected or aging roof can result in denied claims. Insurers may even inspect your roof before issuing or renewing your policy.

🔍 Pro tip: Keep documentation of roof repairs, inspections, and age—especially after a storm.

Final Thought: Don’t Wait Until It Leaks

The best time to review your roof coverage? Before the next storm rolls through. Let Dowd Insurance Agency help you break down the details, compare your options, and make sure your roof coverage is solid—literally and financially.

Need help reviewing your roof coverage?
📞 Call us today to schedule a free policy review.