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Message: <blockquote data-quote="1850reata" data-source="post: 412621" data-attributes="member: 1599"><p>A lot of homeowners policies only have replacement cost coverage on roof surfaces up to 15 years then they reduce to ACV coverage.  Have to read the policy form to determine what you have.  Another newer restriction they are sneaking in there is % wind/hail deductibles.  So you'll see like a 2% W/H deductible.  On a $500K house that means you have a $10,000 deductible next time hail rolls through.</p></blockquote><p></p>

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