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upon the roof it's peaceful as can be unless you need to get it replaced and let's just admit it you're hoping for a hailstorm so insurance will cover it so let's talk about following a roof claim and avoid hitting the ceiling the standard home policy has replacement cost coverage for your roof that means the policy pays - the deductible what it costs to replace your roof but as insurers have had to replace more and more roofs they've started tightening up on those coverages we're now seeing more actual cash value coverage --is that deduct for wear and tear so before you buy an insurance policy make sure you discuss route coverages it can make a big difference in your insurance payment for example let's say it costs $20,000 to replace your 10 year old roof after hill damage and your home policy has a three thousand dollar deductible a policy with replacement cost will pay $17,000 that's the $20,000 - the three thousand dollar deductible a policy with actual cash value coverage will tak

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