Home Insurance Won't Pay for Your Roof_ Here's the Catch!.

In this video I explain that roofs are generally insured on home policies, but payouts can be far less than the cost to replace a roof depending on how your coverage is set up. I walk through key factors that affect roof claims, including what perils are covered versus what’s excluded, how replacement cost differs from actual cash value and scheduled roof settlements, why some carriers reduce roof coverage as roofs age, and how deductibles, especially wind and hail percentage deductibles can dramatically change your out-of-pocket cost.

I also cover matching and cosmetic damage issues, how insurers are responding to roof fraud and storm chasers, common claim mistakes and timing requirements, and what to expect when shopping for a new policy, including inspections and underwriting checks.