Depending on your homeowner’s insurance, most of them usually cover structural damage that is caused by hail, wind, or fallen trees, among others. The particulars of your coverage will be specified in your homeowner’s insurance policy. Such structural damage coverage may include roof repair or replacement. It is important to note that your policy may require you to pay a deductible in making a roof insurance claim. In addition to that, when you choose to file a roofing claim with your insurance company, you may see the terms: Replacement Cost Value (RCV) and Actual Cash Value (ACV) on your roofing claims report. Depending on your specific insurance policy, you may receive more or less coverage for your property’s damages. In the event of a loss your insurance company will either pay you the Replacement Cost Value (RCV), which is the replacement cost of the damaged items on your property, or the Actual Cash Value (ACV) which is equal to the replacement cost of the damaged items minus depreciation and your deductible. Once you replace the items or complete the repairs your insurance company will pay you the depreciated amount. It is best to call us at 1A Roofing and Construction to have one of our roofing specialists first inspect your roof to assess if you have extensive roof damage that will merit making a roof insurance claim. If it is determined that you do have enough hail damage, we will then walk you through the entire process of making an insurance claim. If your insurance claim is approved, we will discuss with you the next steps in how to get your roof replaced and move forward with the actual work needed to complete the roof replacement. We at 1A Roofing and Construction have many years of experience in dealing with insurance companies and have successfully installed high quality roofs for local homeowners.