Roof Damage Coverage
Home Insurance Add-On
- Roof replacement cost coverage helps pay for damage from wind, hail and other unexpected covered events
- Receive payment for the roof’s actual cash value (ACV), or upgrade your policy to replacement cost value (RCV)
What’s covered under replacement roof insurance coverage?
American Family Insurance’s base home policy provides ACV coverage for roofs. With this optional insurance, you can add RCV coverage for repairing windstorm and hail damage or full roof replacement.
Examples: How Homeowners Roof Coverage Can Help
Just as a roof should protect everything under it, roof insurance coverage should protect the roof itself. Here are three examples of situations where it could prove helpful.
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Frequently Asked Questions
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*For windstorms, replacement cost value coverage is available as an added extra coverage.
**Study of Life Expectancy of Home Components, National Association of Home Builders, https://www.hcmuddox.com/sites/default/library/nahb20study20of20life20expectancy20of20home20components.pdf (last visited October 13, 2023)
***Named stormed deductible applies only to GA.
The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.