Your roof claim was approved, the contractor says the replacement will cost $18,000, and the insurance check is only $9,500. Before assuming the insurer shorted the claim, look for lines labeled depreciation, recoverable depreciation, holdback, More…
Does Homeowners Insurance Cover a Roof Leak? Storm Damage vs. Wear and Tear September 10, 2026
You discover a brown stain spreading across the bedroom ceiling after a storm. A roofer climbs onto the house, finds damaged shingles and tells you the roof may need substantial work. The obvious question is More…
Does a Metal Roof Lower Homeowners Insurance? What to Know in 2026 September 1, 2026
A metal roof may lower your homeowners insurance premium, but installing one does not automatically earn you a discount. Insurance companies care less about the word metal than about what the roof can actually withstand. More…
Does Homeowners Insurance Cover Termite Damage? Usually Not—But There Are Exceptions August 20, 2026
If termites have damaged your house, it is natural to wonder whether homeowners insurance will pay for the repairs. Usually, the answer is no. Most homeowners insurance policies treat termite infestations as a maintenance problem More…