Roof Insurance Claims by State

Insurance is regulated at the state level. Deductible rules, prompt payment deadlines, and recoverable depreciation rights all vary - sometimes dramatically. These pages cover what differs from the national baseline that the main calculator applies.

Verification is tracked as two separate facts. "Verified" means every statutory field and every case-law field on that state's page has been checked against a primary source. "Statutes verified" means the statutes are fully checked but case law - which requires a paid legal database, not just a public site search - is not yet complete. "Pending verification" means statutes remain outstanding too. The page itself lists exactly which fields are still placeholders.

More states will be added after verification. If your state is not listed, the national calculator still applies - the math is the same everywhere; only the regulatory context differs.