A homeowner checklist of questions to ask your insurer or agent about roof age, ACV vs RCV, and documentation. General info, not insurance advice.
Ask your insurer or agent: Is my roof covered at RCV or ACV? At what age does that change? What documentation do you accept to show condition or remaining useful life? Will preservation or a recent inspection affect my policy? Knowing the answers helps you plan before renewal.
You have the right to understand how your roof affects your policy. A short list of direct questions removes the surprises.
Get answers in writing where you can, and keep your own documentation current regardless of what any one carrier says.
Ask your agent how it's viewed. We provide documentation; your insurer decides how to use it.
You can shop carriers, and you can keep your roof documented so you're ready to make your case anywhere.
If your roof is aging and you're weighing preservation, insurance, or replacement, the honest next step is an inspection. We measure your Roof Health Score, document the findings, and tell you the truth — preserve or replace. Get a free roof assessment or learn how documentation may help with insurance.
Start with an honest inspection and a Roof Health Score. If preservation is right for your roof, we'll show you. If it isn't, we'll tell you that too.
