Insurance & Claims
Roofing Guides

HO-3 policies cover sudden storm damage but not normal wear. Here's the exact policy language to look for, why ACV vs RCV matters enormously, and how age affects your payout.

First, understand the denial reason code. Then: re-inspect, supplement, invoke the appraisal clause, or hire a public adjuster. We walk through all four paths.

The difference between these two coverage types can mean $8,000–$18,000 on a typical roof claim. Here's exactly how each works and how to check which one you have.

10 steps to take before the adjuster arrives that consistently produce larger settlements. Written documentation, contractor presence, and one thing most homeowners never think of.

The real number depends on your deductible type, your coverage type, your roof age, and the depreciation schedule. We break down all four variables with real examples.

A 15-year-old roof may receive 40% of replacement cost on an ACV policy. Here's the depreciation math, which carriers are most aggressive, and how to fight it.

Insurance adjusters commonly miss 15–25% of qualifying damage. Supplementing captures it. Here's what it means, how it works, and why it's legal and legitimate.

Adjusters use pre-existing damage to deny new storm claims all the time. Here's how to document the difference between old damage and storm-caused damage before any event.

Both can help you get a fair settlement. When each is appropriate, what each costs, and the one situation where you need both.