Is your roof 10 years old?
Is your roof 10 years old? If your roof is 10 year old, or older then you probably have ACV coverage on your roof. ACV means Actual Cash Value. In 2025, most insurance companies changed their policies regarding roofs. Roofs are moving to Actual Cash Value instead of...
What is Depreciation?
What is Depreciation? There are two important terms involved in depreciation. ACV = Actual Cash Value, & RCV = Replacement Cost Value Depreciation is the difference between the RCV and the ACV. Depending on your specific insurance policy, the depreciation is...
Insurance Claims
Insurance Claims Insurance Claims If you have never had an insurance claim before, it can be confusing. Generally, you call your agent and they might say to get an estimate. Or, you might report a claim directly and they assign you an adjuster. Sometimes they send...- Will insurance cover a 10 year-old roof
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. - Class 3 versus Class 4 Shingles
Both shingles are impact resistant. They both typically warrant an insurance premium discount. So what is the difference between the two shingles? - Pick a Local Roofer
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 ResistantClass 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.
- What are Impact Resistant Class 4 Shingles
Class 4 impact resistant shingles provide homeowners who with maximum protection from Midwestern hail and wind storms and they receive an insurance discount.