Does your homeowners insurance currently cover the cost of replacing your roof if it’s damaged? Insurance companies are changing what is and isn’t covered when it comes to roofs, which is one of the most common claims in southern Indiana. It is typical that your carrier will only cover ACV, have a higher deductible, or out right not cover roofing related claims.
Our number 1 tip for buying new homeowners insurance is to make sure your carrier provides Replacement Cost coverage or RC on your roof. Replacement Cost coverage means that if you were to have a claim, requiring replacement of your roof, your insurance carrier will payout the full cost, less your deductible. If it just says ACV, that means that that total cost will be depreciated and you won’t be made whole.
In addition, many carriers are changing the deductible from that of other perils. For example, it’s common to have a $1000 deductible for a tree falling on the home, but if you have a wind/hail claim it may be a percentage of your homes value. This would mean you would be out of pocket thousands of dollars if this small detail is missed.
At Tri-State Insurance Group we only recommend carriers that offer full Replacement Cost on the roof, because we realize how important it is. In some cases, where we just can’t get a carrier to offer RC, we make sure and educate the customer. Remember, notify your agent if you have a new roof, it can change your out of pocket expenses when it comes to claim time.
Common Carriers and Roof Replacement as of 10/13/2025
Safeco – 20 year old roofs
Madison Mutual – 15 year old roofs
Pekin – 6 year old roofs
Auto-Owners – 10 year old roofs
Openly – 10 year old roofs
CELINA – 10 year old roofs
The trend is that carriers are no longer carrying full replacement cost on older roofs. Big box carriers have even sent out letters telling homeowners to replace their existing roof or be dropped from their policy. If you have any questions or want to get a quote for a carrier offering replacement cost coverage, then give me a call.
