Why Your Roof Matters More Than Ever to Your Home Insurance Policy

What Homeowners Need to Know in Today’s Insurance Market

As severe storms become more frequent and homes across the country continue to age, the insurance industry is tightening the reins—especially when it comes to roof coverage. At KVIS & Coe Insurance, we want to ensure our policyholders understand the crucial connection between their roof’s condition and their homeowners insurance coverage.

Why Roofs Are a Hot Topic in Insurance Right Now

With the rising number of storm-related insurance claims, carriers are re-evaluating how they underwrite and cover roofs. More and more homeowners are facing denied claims or limited payouts due to changes in policy forms and coverage options.

Roofs are a home’s first defense against the elements, but they don’t last forever. With many homes in our area aging and experiencing storm damage from wind, hail, and heavy rain, insurance companies are seeing an increase in claims for both exterior and interior water damage.

Unfortunately, the cost of a new roof can range anywhere from $20,000 to $40,000+, and that’s before factoring in repairs to ceilings, drywall, flooring, and belongings damaged by interior leaks.

What’s Changing in Homeowners Insurance?

To combat the rise in roof-related losses, many insurance carriers have adopted stricter guidelines. Here’s what you need to know:

Roof Reinspections: Some insurers now reinspect homes before policy renewal or acceptance, especially if the roof is over a certain age.

Age Restrictions: Even if a roof still has usable life, certain carriers may refuse to write a new policy if the roof is too old.

Depreciated or Actual Cash Value (ACV) Settlements: Instead of covering full replacement cost, some policies only pay the depreciated value of the roof based on its age.

Surcharges for Older Roofs: Policyholders may face additional premiums if their roof exceeds a certain age threshold.

Percentage-Based Deductibles: Instead of a fixed dollar amount, deductibles for wind/hail or named storm damage may now be a percentage of your dwelling coverage—potentially thousands of dollars out of pocket.

How Homeowners Can Protect Themselves

The good news? A little roof maintenance can go a long way in preventing costly damage—and potentially avoidable claims. Regular inspections, timely repairs, and proactive replacement when needed help maintain your coverage and minimize your risks.

Most importantly: Know your policy. Don’t wait until you file a claim to discover your roof isn’t covered the way you thought it was. At KVIS & Coe Insurance, our team can help you review your policy, understand your roof coverage, and ensure you’re prepared for whatever Mother Nature has in store.

Final Thoughts

Your roof plays a major role in your home insurance. As insurance companies adjust to rising claim volumes and costs, homeowners need to stay informed and proactive. If you’re unsure how your policy treats roof claims, or if it’s time to shop for better protection, we’re here to help.

Contact KVIS & Coe Insurance today for a policy review or a free quote.
✅ Protect your home. ✅ Understand your roof coverage. ✅ Stay ahead of storm season.