We had a bad hailstorm last month and I can see dented and cracked shingles. Our roof is about 15 years old. Will homeowner's insurance cover the replacement or will they depreciate it because of the age? What should I know before filing a claim?
Yes, storm damage is typically covered regardless of roof age — it's sudden damage, not wear and tear. However, if your policy uses ACV (actual cash value) instead of RCV (replacement cost value), they will depreciate it based on age. File the claim, get a free inspection from a reputable roofer BEFORE talking to the adjuster, and document everything with photos. Don't let the insurance company's inspector be the only opinion.
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