“Like a punch!” That’s how is feels to pay 100% of insurance premium for a decade to receive 56% or less for the replacement of your roof in a hail claim.  Do not let your roof age out to 10 years – your roof is placed and an ACV (Actual Cash Value) schedule and your depreciation on the roof is non-recoverable.  This means THOUSANDS out-of-pocket.  This can be avoided by getting a FREE roof inspection AFTER EVERY STORM.  North Platte, NE has hail more often than every 10 years and so there is no reason your roof should get that old unless you already have Impact Resistant shingles.