Roof Surfaces Endorsement

Materials for roof surface materials and all other roofing components.

Roof surfaces endorsement. Homeowners with newer roofs can pay extra to buy coverage providing full replacement value at the insurer s cost according to the documents. Will a typical homeowners insurance policy cover the loss. 1 the age of the roof and 2 the type of material used to cover the roof surface. For example a 200 000 home with a 1 wind hail deductible 2 000 and costs 10 000 to replace will pay 8 000 to replace the roof with.

If the roof needs to be replaced due to hail or wind damage a replacement cost policy pays the amount it costs to replace the roof with a new one of the same quality less the wind hail deductible. Windstorm means wind with or without precipitation. The roof surfaces extended coverage endorsement can be purchased to extend coverage to replacement cost. Your policy will provide actual cash value protection in the event of covered windstorm and or hail damage to your roof surface.

If they opt against the surcharge allstate will cover. The answer is it depends. What is changing when the roof surface endorsement is added to a policy damage caused by wind or hail will be settled based on two key factors. If a storm destroys it and you have actual cash value roof coverage that depreciates the roof s value by 1 000 per year your out of pocket share of the cost for a new roof would be 11 000.

With actual cash value protection there may. What is an extended protection amendatory endorsement. But you may be able to buy a fortified roof endorsement that will replace your non fortified roof with a better one if the entire roof requires replacement. Age of roof 17 years 80 wood shingles roof geometry flat 20 slate reminder about your roof surface coverage.

Fortified roofs are made to meet. Factors which differ by premium component age of roof and predominant roof surface material type are applied to a policy s variable premium when this endorsement is not purchased.