Journal
Claims & Coverage
Insurance coverage logic, storm-damage interpretation, ACV vs RCV, depreciation, claim documentation, denial patterns, and the role roof age plays in coverage decisions. Straight talk for homeowners trying to understand what insurance may or may not cover on an older roof.
4 articles
Will Insurance Pay for an Older Roof Replacement? Sometimes – But Not for the Reason People Think
Heath Bannister explains when insurance may contribute to an older roof replacem...
Storm Damage vs Old Age: The Roof Insurance Argument That Changes Everything
Heath Bannister explains the key insurance distinction between storm damage and ...
How Roof Depreciation Affects What Homeowners Actually Get Paid
Heath Bannister explains how roof depreciation works on insurance claims. Age an...
What Homeowners Should Document Before Filing a Roof Claim
Heath Bannister outlines the key items homeowners should document before filing ...