New Harbor Roofing & Construction

This pays for the additional costs of repairing or rebuilding a damaged home to meet current building codes, which standard policies usually do not cover.

The answer is that yes it can be insured, with ACV coverage which stands for Actual Cash Value. Beginning in 2025, insurance companies stopped offering RCV (Replacement Cost Value) coverage on roofs 10 years old and older.

Both shingles are impact resistant. They both typically warrant an insurance premium discount. So what is the difference between the two shingles?

Pick whom you like, but pick local. No Omaha or Lincoln roofer is coming back under warranty for a leak. No, your roofer doesn’t need to meet the adjuster.

Class 3 shingles are Impact Resistant and are eligible for an insurance discount with most companies. They are less expensive than Class 4, but provide superior hail protection than typical shingles.

Class 4 impact resistant shingles provide homeowners who with maximum protection from Midwestern hail and wind storms and they receive an insurance discount.

If your roof is 10 year old, or older then you probably have ACV coverage on your roof. In 2025 most insurance companies changed their policies regarding roofs.

In the roofing and insurance industries, the phrase “HAAG Certified” carries a lot of weight. HAAG Certification is one of the most distinguished. Insurance companies all over recognize the HAAG Certification, and they value this to represent that a true roofing expert completed the inspection on your roof.

In Nebraska, the “3-day cancellation law,” also known as the Home Solicitation Sales Act, allows consumers to cancel certain contracts within three business days of signing, providing a “cooling-off” period.

Metal roofs are not the answer that you believe they are on a residential dwelling. They are high maintenance, high cost and mean higher insurance.