Roof Insurance Guides
Plain-language references for every stage of a roof insurance claim - from deciding whether to file to reading the estimate you get back. Use thecalculator to run your own numbers once you know what to look for.
Should You File a Roof Insurance Claim?
Run the deductible math, estimate the premium impact, check your CLUE history, and account for roof age - before you call your insurer.
ACV vs RCV: What Your Policy Actually Pays
How your policy type determines whether depreciation is permanent or recoverable, and what that difference means on an older roof.
How to Read Your Adjuster's Estimate
What every column means, which line items to check for, how to submit a supplement request, and when the estimate is probably correct.
Do You Need a Public Adjuster?
How PA fees apply to the full settlement - including what the insurer was already paying - and the free alternatives to exhaust first.
How to Read Your Declarations Page
Where to find your dwelling limit, deductible type, and roof endorsements - the numbers the calculator needs.