Homeowners Insurance
A policy that covers damage to your home structure and contents, usually including roof damage from storms.
What's Covered
Fire, theft, vandalism, storm damage (hail, wind), falling objects. Roof damage from hail and wind is typically covered, but there are limits based on roof age and coverage type (ACV vs. RCV).
What's NOT covered: normal wear and tear, poor maintenance, ice dams (depends on state), gradual deterioration.
Roof Damage Coverage
Most policies cover sudden storm damage. However, many carriers limit hail coverage on roofs over 20 years old. Some don't cover roofs over 25 years. Check your specific limits.
Tips
Read your policy. Know your deductible. Know whether you have ACV or RCV. Ask if there are age limits for hail coverage. Consider RCV instead of ACV—it costs more in premiums but saves thousands on claims.
Call your agent if you have questions. Don't wait until damage happens.