Will insurance cover your roof | What is an All Peril Deductible and is it better than wind and hail

There are 3 answers to will your insurance cover your roof. In most cases yes, sometimes no and there's a partial coverage that most people carry but don't realize it. In this video I also go over common tricks agents use to get your home insurance cheaper.

Changes: 2min 59sec I say sudden and incidental - it is sudden and accidental.

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Disclosure: Please consult your agent before making any changes you feel you are not knowledgeable with. Due that the laws being different in each state, I am not responsible for any changes or updates that may have occurred after the making of this video.

[ThinkInsurance]

2:59 I say sudden and incidental - it is sudden and accidental. Thanks @Robert R for catching this!

[cavitycreep]

If they denied a legit claims what's the purpose of paying for insurance

[bdub]

Policy holders need to take the time to read the policy and ask questions PRIOR to having a claim. Sadly, most do not.

[blancabarragan]

Thank you! I learned a lot with this video.

[yanietherrera]

You are the best!!! I just wanted to say is that both HO3 and HO5 are open perils, the difference lies in their personal property, which in a HO3 would be named perils, and HO5 would be open perils, I believe...

[briandaley]

A lot of customers don’t realize they may have actual cash value on their roof or a replacement cost schedule. Then they face the harsh reality of not being able to get full replacement cost on the roof. I agree with you that this may sometimes get glossed over on the wind/hail deducible piece and it’s not until a claim that people are shocked to see their true coverage. Great video, learned a lot about claim consequences. Thanks Mark!

[anitameyer]

I’m so confused at how to buy my home insurance ... the roof part is still confusing 😩

[dwigts]

So if you have an old roof where you think you'll get denied for any claims, then best to put the wind haul deductible as high as possible since you will never get anything out of it.

[thatone_daniel]

hi, I saw your comment on jade darmawangsas video and decided to pop by. hi!

[ronnieconaway]

Explain the 2nd check which is the deprecation check and why the contractor gets it

[wheelstandr]

Bought my house new Nov. 2004. Had the same policy with Met Life for 20 of those years and my agent retired. He sold or Farmers took over the policy. They raised our rate an additional 1400 dollars per year and tell us we need a new roof before the second year started or we are cancelled. I have no experience in this at all. They made it sound like they would pay but am unsure. We have an open claim from a hail storm too. Our agent is hundreds of miles away. I dont trust insurance companies either. I feel like I need Ann attorney to make sure they dont screw me over.

[dianeransom]

Have you heard of the roof workers falling through the roof while fixing it? Of course you have but try this; After such a event a family has been put into a hotel for over 4 months. The roof is fixed though you can walk into the home and see every thing from front door to back of house. Now, they are being asked to move into a rental home although they must pay the utilities.The reason they are told is because they can not find workers to do the job. - Thoughts?

[neverfinding]

Shingles have been flying of my homes roof, it’s ver windy where I live. roof look beat. Does this constitute me getting it covered by the insurance?

[tiggerfink]

My issue is that my shingles are English and no longer made. I had a big wind storm that knock down my neighbor's tree. On my roof the insurance company states they can replace my damage shingles with bigger metric shingles and no roofer will do the repair. Tamko wrote me a letter stating it is not recommended to replace with the new bigger metric shingles because of the glue strip location is in the wrong location.

[pistolpermit]

Insurance company covers roof knowing the roof is at least 15 years old, (20 year roof) some hail damage, can a future claim be denied for the roof?

[salsamink]

If your insurance paid for a new roof 4 years ago, will they pay for a new one again after damage from a wind event?

[VeronicaHernandez-glmskus]

After we got roof damage from large hail, we discovered the deductible was 5%. When I signed up seven years ago, I didn't know this. So it was 19, 000. Deductible to fix. This seems high.

[domfer]

My experience is roofing companies tell homeowners they can get new roof from the insurance companies. Insurance companies should not pay full coverage under any condition. 25% for each 10 years older roof should be owners responsibility, including and other damage.

[surroundedbyice]

For some reason my insurance company took the 9000 deductible out of the total cost of the settlement, can they do that? Then sent me a check to start the work for 5700 but now after the deductible that has been taken out there is not enough to do the roof, I was told that my deductible was 1000 only to find out that they left out my wind and hail was 5% of the total value of the house there is not enough money to do the job right because the wood needs to be replaced do to spacing I feel like I got swindled, can I at least keep the first check and just forget about it and do other home repairs? it's just strange that they took the 9000 deductible out of the total settlement ...

[gardnert]

What if the little particles from the shingles are sliding off into the gutters is that a claim, be going on for a couple years now