One of the most common things we see while reviewing policies with other companies is the lack of coverage to your roof. When things like ACV or Scheduled Roof Depreciation show up on your renewal it can be very confusing. Some companies have been switching their clients Replacement Cost (RC) to Actual Cash Value (ACV) without explaining these changes. We are here to help make sure you are fully covered, even if you aren’t our client. Replacement Cost will cover all costs to make your roof whole again, without factoring in depreciation. ACV will factor in the age and type of roof, often leaving client’s high and dry when it comes to paying out of pocket for a new roof. Scheduled Roof Depreciation acts like ACV and the company will actually give you a schedule of how much they will cover as the years go by. At the Schomburg Insurance Agency, we will make sure you have RC on your roof in order to be fully protected when disaster hits. Living in Colorado, it is important to know what kind of homeowners coverage you have before you get hit in a hailstorm. If you do have to replace your roof, please call us first to discuss making a claim and finding a reputable roofer. We will help walk you through the process and you will be on your way to saving nearly 50% on your homeowners insurance, all while upgrading your home with a new roof. Call us at 720-328-4983 to review your current policy.